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Your friend,Sal Dunn,has started a new business,but has recently encountered a slight cash flow problem.He obtains a $1,000 loan at 10% per year from a local bank,but would like to ask you about the terms.The bank has deducted the interest in advance and he wants to know if 10% is his effective interest rate.How would you respond in an email?
Vicarious Punishment
Learning process in which an individual observes another being punished and thus learns to inhibit the behavior that led to the punishment.
Fixed Ratio Reinforcement
A reinforcement schedule in behavioral psychology where a response is reinforced only after a specified number of responses.
Latent Learning
A form of learning that occurs without any obvious reinforcement of the behavior or associations that are learned.
Cognitive Map
An internal representation of the spatial relationships between objects in an individual's environment, facilitating navigation and understanding of the world.
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