In banked curves, the horizontal component of the normal force, represented as N·sinθ, is considered the net and centripetal force because it directs towards the center of the vehicle's circular path. The vertical component of the normal force is balanced by gravity, allowing the horizontal component to provide the necessary centripetal acceleration for circular motion. The center of curvature is located in the horizontal plane, which aligns with the trajectory of the vehicle. Understanding this concept clarifies how forces interact during a banked turn. The discussion emphasizes the importance of recognizing the orientation of forces in relation to the vehicle's path.