Every time the HR representative comes to work dressed in a suit, layoff notices seem to be distributed. You and your colleagues start worrying whenever you see the HR representative dressed up for work.

The excerpt is an example of: Classical Conditioning Theory.

Explanation:

Russian physiologist Ivan Pavlov (1849-1936) conducted research studying the behavior of dogs to propose what is known as the Classical Conditioning Theory in which Pavlov explains learning is a process of associating responses to stimuli. The result would be a behavior. According to Pavlov, there are three steps in this learning process: before conditioning, during conditioning, after conditioning.

In the example, seeing a Human Resources (HR) representative in a suit is a neutral stimulus -does not generate a response. The employee lay-offs would represent an unconditioned stimulus -create a response. The two scenarios happen before conditioning. During conditioning, seeing HR representatives in suits and noticing lay-offs are associated. Finally, seeing only the HR representatives dressed-up represents a conditioned stimulus -naturally generates a response after conditioning.

forbearance of student loan payments. under forbearance, your loan payments are postponed (or reduced) but interest continues to accrue during the period of forbearance. if you don't pay the interest during that period, the interest may be “capitalized,” which means it is added to your principal balance.