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12-16 The all-in-spread (AIS)used in the KMV model is the difference between the interest rate on a loan and the prime lending rate at the time the loan was originated.
Vigilant
Refers to being alert and watchful, especially for danger or opportunities.
Self-objectification
The tendency of individuals to view themselves primarily as objects to be evaluated based on appearance rather than based on their qualities or actions.
Cognitive Performance
The execution of tasks that require the use of cognitive abilities such as memory, reasoning, attention, and language.
Idealized Images
Imagery or representations that are often perfected or enhanced versions of reality, typically used in media and advertising.
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