The idea that to feel stress you need to perceive a threat and come to the conclusion that you may not have adequate resources to deal with the threat, is a reference to the need for a(n):

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This idea refers to the process of cognitive appraisal, which involves evaluating the situation and deciding whether or not it is a threat and whether or not the individual has the resources to cope with it. In other words, it is a mental evaluation or assessment of the situation that determines whether or not stress is experienced.

The Idea That to Feel Stress You Need to Perceive