ing ▁sad ness , ▁working ▁memory , ▁spatial ▁memory , ▁recognition , ▁recall , ▁recogn izing ▁the ▁emot ions ▁of ▁others , ▁planning , ▁calculation , ▁semantic ▁and ▁per cept ual ▁processing ▁of ▁od ors , ▁religios ity , ▁and ▁attention ▁to ▁positive ▁emot ions . ▁ ▁Image ▁ ▁See ▁also ▁ ▁Bro d mann ▁area ▁ ▁D ors omed ial ▁pre front al ▁cor tex ▁ ▁List ▁of ▁regions ▁in ▁the ▁human ▁brain ▁ ▁References ▁ ▁External ▁links ▁ ▁https :// web . archive . org / web / 2 0 1 4 1 1 0 4 2 0 4 9 1 9 / http :// www . sk ilt opo . com / 1 / index . htm # BA 9 L ▁ ▁For ▁Ne uro an atom y ▁of ▁this ▁area ▁see ▁Bra in Info ▁▁ 0 9 ▁Category : Front al ▁lo be <0x0A> </s> ▁Universal ▁default ▁is ▁the ▁term ▁for ▁a ▁practice ▁in ▁the ▁financial ▁services ▁industry ▁in ▁the ▁United ▁States ▁for ▁a ▁particular ▁l ender ▁to ▁change ▁the ▁terms ▁of ▁a ▁loan ▁from ▁the ▁normal ▁terms ▁to ▁the ▁default ▁terms ▁( i . e . ▁the ▁terms ▁and ▁rates ▁given ▁to ▁those ▁who ▁have ▁missed ▁pay ments ▁on ▁a ▁loan ) ▁when ▁that ▁l ender ▁is ▁informed ▁that ▁their ▁customer ▁has ▁default ed ▁with ▁another ▁l ender , ▁even ▁though ▁the ▁customer ▁has ▁not ▁default ed ▁with ▁the ▁first ▁l ender . ▁ ▁This ▁is ▁a ▁phenomen on ▁that ▁dates ▁from ▁the ▁mid - 1 9 9