Ripoll Escartí , Juan José, et al. “Explainable Boosting Machine (EBM) for Decision-Making Competence: Cognitive Reflection, Risk Perception, Emotional Bias, and Uncertainty Tolerance”. Journal of Assessment and Research in Applied Counseling (JARAC), vol. 8, no. 3, July 2026, pp. 1-11, https://www.journals.kmanpub.com/index.php/jarac/article/view/5304.