How Banking’s Bifurcated Deposit Approach Is Altering Lending — and Risk
Offering higher deposit rates lessens emphasis on loans of fixed rate and longer maturity
Diversity: Measuring How and Why Groups See It Differently
Perceived differences between “diverse” and “sufficiently diverse”
Household Use of AI Yields Bigger Productivity Gains Than Seen by Business
Chores go faster, providing more leisure time
Philadelphia’s Soda Tax Is Nearly Perfect for Maximizing Revenue
It’s less successful at curbing consumption so buyers shop outside the city
A Guide for Companies That Want to Restore Credibility to Climate Disclosures
Identify and come clean about the layered uncertainties, both in measurement and in outcomes
BRCA Mutation: New Model Quantifies How Surgeries Reduce Cancer Risk
Informed by personal experience, a researcher parses data to help those mulling mastectomy and gynecological surgeries
Getting Paid Immediately — How Does That Change Worker Behavior?
Also: humans are overconfident, winners and losers in airline deregulation, and comparing legal to illegal products
Unintended Consequence of Stale Corporate Bond Fund Prices Amid Fed Tightening
In wild markets, do the most dated prices actually reduce redemptions?
Property Taxes to Fund Schools: Households With Enrolled Children Protest Levies Less Often
When people learn the actual portion of taxes spent on schools, tax protests by parents fall, but protests by nonparents rise
The Sad Fact of Reminiscing About Good Times
Happy memories of life-stage transitions can be bittersweet
Ads Using Personalized Tracking Raised Privacy Concerns. The Substitute Isn’t Problem-Free
The spots, aimed at demographic groups, can feel like stereotyping, even discriminatory
You Listening? How Hard Is It to Know When People Only Pretend to Pay Attention?
Also: Medical device innovation after a trove of product failures is revealed; the value of salary negotiations; and gauging wildfire risk from the electric grid
Head Start, the Public Preschool Program, More Than Pays for Itself
Large study sees increases in education, declines in public assistance
Mortgage Prepayments: Factors beyond Interest Rate Movements
A model estimates the impact of economic variables on the pricing of prepayment risk
Our Flawed Pursuit of Happiness — and How to Get It Right
New approaches to spending and time-management examine how our actions do or don't influence our level of satisfaction
Techies Have Chance Encounters and Brainstorm — and If They Don’t, Innovation Suffers
What your genome says about college completion, and how likely a crash is after a credit boom