Adjustment is a type of Improvement. Adjustment is a synonym of Change. Person does not want (to) Change. 
Mental is similar to Moral. Moral is related to Bit. Bit is related to Amount. Amount is related to Balance. 
Improvement <--IsA-- Adjustment <--Synonym--> Change <--NotDesires-- Person 
Mental <--SimilarTo--> Moral <--RelatedTo--> Bit <--RelatedTo--> Amount <--RelatedTo--> Balance 