In wayne dennis's study of infants in iranian orphanages, only 15 percent of the orphans were walking alone by 3 to 4 years of age because

The answer to the question above is this: they spent their days lying on their backs in cribs. Wayne Dennis has studied infants in Iranian orphanages. The infants in these orphanages were more on left lying on their backs on their cribs and this results in the delay of their physical development such as walking and other physical activities. This made the children in the orphanages walk at the age of 3 to 4 instead of 1 year old or earlier.

Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan