Final answer:
Locke's account of human understanding is missing innate concepts, ideas, or morals. He believed that humans are born with a blank slate known as tabula rasa and acquire knowledge through experience.
Step-by-step explanation:
Locke's account of human understanding is missing innate concepts, ideas, or morals. According to Locke's revolutionary view, humans are born with a blank slate, known as tabula rasa, and possess no innate knowledge. Instead, knowledge and understanding are acquired through experience, both through sensation - information gathered from the senses, and reflection - pondering what has been learned through sensation.