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12-4 Migration analysis is not appropriate for an FI to use in the analysis of credit risk of consumer loans and credit card portfolios.
Delayed Reinforcers
Rewards that do not immediately follow a behavior but occur after some time, still affecting the likelihood of the behavior's recurrence.
Variable-Interval Schedules
A reinforcement schedule in experiments where a response is rewarded after an unpredictable amount of time has passed, used to study learning and behavior.
Primary Reinforcers
Innate reinforcing qualities like food, drink, and pleasure that fulfill basic biological needs and do not depend on learning to be effective.
Spontaneous Recovery
The reappearance of a conditioned response after a period of rest or no exposure to the conditioned stimulus.
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