Before the lender found out she was black, she was
offered a loan almost immediately.
<span>However, when the lender learned that she was in fact
black, things took a bad turn. First, higher terms of the loan were imposed on
her. Second, she was told the loan was a risk due to declining prices in the
neighborhood. Third, she was suddenly asked to pay more and offered a less attractive
loan.</span>
England, Scotland, Wales, and Northern Ireland
"It" could replace "the animal."
If you know the gender of the creature, you could use "he" or "she," but I would recommend "it."
Hope this helps!
<span>A concept of bandura that reflects one's beliefs about one's own adequacy is "self-efficacy."
</span>
Self-efficacy alludes to a person's faith in his or her ability to execute practices important to deliver particular execution accomplishments. Self-efficacy reflects trust in the capacity to apply control over one's own particular inspiration, conduct, and social condition. These subjective self-assessments impact all way of human experience, including the objectives for which individuals endeavor, the measure of vitality consumed toward objective accomplishment, and probability of achieving specific levels of behavioral execution.
