While the experience of stress has been shown to affect the general welfare, there are individual differences with regard to this phenomenon. Lazarus and Folkman conceptualized stress as a person's life-environment transaction. (Baldwin, Chambliss, Towler 2003) This model incorporates individual differences regarding the perception of threat, opportunity, personal resources, the ability to cope, and response options. For example, racial and ethnic differences were found among adolescents in relation to life stress exposure, the assessment of adverse effects from the stress of life, and addressing resources. Moreover, these ...