12-20A Theory That States That No Borrower with Substantial Positive

question 1

Multiple Choice

12-20.A theory that states that no borrower with substantial positive equity would default,even if unable to make the monthly payments,is:

• A) equity theory
• B) bird-in-hand theory
• C) resolution equity theory
• D) equity binding theory

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Definitions:

Less Stress

Experiencing lower levels of stress, which refers to a condition of strain on one’s emotions, mind, or physical body.

Introversion

A personality trait characterized by a focus on internal feelings rather than external sources of stimulation, often involving a preference for solitude or small group activities.

Big Five

A model describing five major dimensions of human personality traits: openness, conscientiousness, extraversion, agreeableness, and neuroticism.

Generative Needs

The psychological drive to produce or contribute to the well-being of others and future generations, often associated with creativity and care.