Step 1: Infer the rule from the example.
TERMINAL \(\rightarrow\) SDQLJQBM
Write positions (\(A=1,\ldots,Z=26\)):
T(20)\(\to\)S(19) \(-1\), E(5)\(\to\)D(4) \(-1\), R(18)\(\to\)Q(17) \(-1\), M(13)\(\to\)L(12) \(-1\)
I(9)\(\to\)J(10) \(+1\), N(14)\(\to\)Q(17) \(+3\), A(1)\(\to\)B(2) \(+1\), L(12)\(\to\)M(13) \(+1\).
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Observed pattern: First four letters \(\Rightarrow -1\) each; last four letters \(\Rightarrow\) mostly \(+1\), with \(N\) (at/after midpoint) advancing \(+3\).
Applying this observed mapping to a new word means:
• For the first four letters: shift back by 1.
• For the last four letters: shift forward; letters in the lower half (A–M) move \(+1\) (as seen for I, A, L), while \(N\) moved further to \(Q\) (here there is no \(N\) in the target word; we'll mimic the I/A/L pattern: \(+1\)).
Step 2: Apply the rule to CREDIBLE.
Split: C R E D \, | \, I B L E.
First four (\(-1\)): C\(\to\)B,\ R\(\to\)Q,\ E\(\to\)D,\ D\(\to\)C \(\Rightarrow\) BQDC.
Last four (use \(+1\) like I/A/L in the example): \ I\(\to\)J,\ B\(\to\)C,\ L\(\to\)M,\ E\(\to\)F \(\Rightarrow\) JCMF.
Step 3: Conclude.
Encoded form \(=\boxed{\text{BQDCJCMF}}\).