Glossary entry (derived from question below)
Italian term or phrase:
ritardo fisiologico
English translation:
habitual arrears
Italian term
United Kingdom
Business & finance, geology, environment
Native in: English 
Works in: Italian to English, English
ritardo fisiologico
The context is the analysis of debt collection strategies:
Diventa fondamentale in questa fase cercare di identificare strategie ad hoc per la potenziale clientela “self cure”, che risulta insolvente prevalentemente per caratteristiche comportamentali di **ritardo fisiologico** rispetto alle scadenze di pagamento (vero soprattutto per i pagamenti tramite bollettino postale) su cui rimandare l’intervento di recupero per ridurre i costi di gestione.
Jun 22, 2011 05:26: James (Jim) Davis Created KOG entry
Proposed translations
Seychelles
25 years experience constantly improving
Native in: English (Variant: British)
Works in: Italian to English
habitual arrears
Multilingual academic lawyer
Native in: English (Variant: Scottish) 
, Italian (Variants: Standard-Italy, Lombard, Calabrian (Calabrese))
Works in: Italian to English, German to English, French to English, and 3 more.
structural delay
Language is never innocent
Native in: German
Works in: Italian to German, English to German
characteristic/congenital/inherent slowdown
| agree |
Cedric Randolph
: I believe this captures the flavor of the text best, as it seems to be referring to debtor individuals and not to something happening because of procedures within an institution
43 mins
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grazie, Cedric!
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serial procrastinators (in this context)
" .... reports that 55% of students admit to being “serial procrastinators”: they never catch up ... of work until the date it is due".
Last-minute tax planning for serial procrastinators
Italy
Native in: English , Russian
Works in: Russian to English, English to Russian, Italian to Russian, and 2 more.
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