not to go further, to record a loss, yes, although in ordinary life, i just told you how a person acts, and the opposite situation, but as there is a saying, they don’t seek good from good, yes, that is, if you feel good, yes, well so use what is at hand, don’t look for it from another, there are a lot of examples there, sayings there among different nations, on the stock exchange it’s exactly the opposite, that is, here you need to squeeze out all the profit as much as possible until the end, that is, wait, wait, wait until it, that is, will already turn around at its extreme, will go back only then fix. otherwise you will end up taking a piece, and then you will, as you said, reproach yourself for the fact that oh, how you didn’t get it, that is, here, unfortunately, this is, or rather, fortunately, this is all confirmed by numerous studies a hundred years ago that behavior in the market is irrational in principle, now i would probably like to ask the following question, this is how behavioral economics can be a tool for changing the behavior of entire masses, and even within countries.

well, for example, there is an artificial road obstacle, i think it ’s called, we call it a speed bump, yes, it ’s a bump that generally encourages us not to drive in front of a pedestrian crossing, yes, and even if you drive there at a speed limit of 20 km/h, most likely the car will shake and it’s better to drive even slower, people’s behavior can be changed, we know that people are often very conservative and choose the option that is offered to them by default, well, we remember that there were a lot of so-called:

offer by default, but there is one a book about this pushing or nagging, this word has already even appeared in russian by richard thaler, nobel laureate, also one of the karfes of behavioral economics, sanstine, they also have such an important example that there are countries in which by default the organs of a deceased person can be used as a donor, but there are countries in which it is impossible, and it would seem very easy to change your decision, that is , you just need...

formation or expertise, yes, so , of course, this is such a force, yes, but here it is very it is important to be on the bright side in order to give people sufficient flexibility, and not drive them into some rigid models, hastily, to what extent they are ready to receive this freedom in decision-making, you know, as we say, that this is the choice of a soviet person, yes, well , you and i belong to a generation that still experienced the soviet union and the shortage, so you start talking about how good it was for one type of sausage and you don’t, there are them here. there is a state, an economy, a society,

or is it easier to say that now the same model remains, let me anything by definition, i’ll take it and that’s great, think for me, but here’s what has changed or not changed, well, look, it seems to me that there are two stories here, the first is that indeed, if we are given a very difficult choice , there are 30 varieties of sausage, we only need one piece, yes, then in general, it’s probably sometimes redundant, in general we’re not happy about it, that’s why. there are even restaurants where a person can simply pay for entry and then he gets a fixed menu, these can be very expensive restaurants, sometimes we are happy to delegate the choice, but the other story is more fundamental, indeed, maybe in some difficult situations people really want to delegate the choice in principle, but

it seems that this is such a bit of a slippery slope, the person is still responsible, even without making a choice, it is still some kind of choice, but well , there is a book by erichofrom - flight from freedom. important, yes, we are talking about behavioral economics, this is an easy money podcast, our guest, economist, rector russian economic school anton svorov, well, by the way, returning to this thesis at the beginning of our conversation, what comes first, behavioral economics or advertising and marketing? well, i think that advertising and marketing arose much earlier than behavioral economics, in this sense they are primary. but on the other hand, behavioral economics explains why some marketing techniques work well, i don’t know, for example, sometimes, yes, yes, but sometimes we are faced with a situation where we see some attractive offer, banking, well, for example, you can take out a loan

stand, which seems incredibly low, some time ago i quite often received such offers, the rate there is almost lower than the deposit rate in the same bank, but... we understand that somewhere in the fine print it is written that in fact there are some commissions, and if we calculate the total cost of this loan, it will of course be significantly higher. and where else, let’s say , is the same marketing and advertising that claims the palm in relationships with consumers, the influence on the minds, so to speak, of consumers of products or services, where, where else one can give examples, what is taken precisely from behavioral economics and is used quite actively. that people sometimes impulsively respond to some kind of free offers, buy two bottles there, the third one will be free, yes we always fall for it, not always soberly analyzing how much we need these products, people

really perceive losses very negatively, so sometimes sellers strive for in order to create the impression on the consumer that he has a rare opportunity to take advantage of some kind of discount , which will disappear in a few hours, it is only now or never, but such an illusion arises that without taking some action, without purchasing something... then the product or service, the consumer will lose something , it’s possible, it’s akin to not even for the sake of it, in its pure form for more, so they introduced such a term - fair of missing out, that is, it’s for more, it’s in capital letters f, all over the world translated: as fear of missing out on something interesting, hence the explanation that we are constantly stuck in messengers, constantly monitoring what has come to us, yes, but this is standard, but here are some channels in messengers, some event streams, and we watch all the time , suddenly it’s important, suddenly

it’s important, gurgled, gurgled, only then a person comes to limit cash there to only parcels that are really important, because as one very good friend of mine said, such a wise woman, she says, all the news, which are for you... are important, they will find you themselves , no need to worry, that’s the example you gave, this is a typical example at the game of the fear of missing something, the fear of missing out on a seven-minute gain, the fear of missing out on anything else , and, in principle, falling behind from the stream of events that surrounds us. just today i read an article by a journalist who wrote that he spent january without a smartphone, having discovered that he spends an average of 5 hours a day on it, he decided to try to make do with a push-button phone and felt great... satisfaction, so indeed, we get addicted to social networks , yes, yes, and some kind of detox is probably useful, as far as a person, in the opposite direction, if you look, unfold this chain, as far as a person has knowledge about certain things, let’s say

, models of behavioral economics, knowing how one can manipulate consciousness and its behavior, first of all, and hence, the term itself, how a person can... make a decision in some kind of emotional state, if suddenly we see some kind of opportunity and you need to make an important decision, it’s better after all think about it calmly enough and put it off there the next day, if the situation allows, just like if you suddenly quarreled with someone, it’s better not to immediately write an angry, angry email in response, but it’s better to wait the next day to respond in a more balanced way , but here’s an example that i really love... we all find it difficult to wake up in the morning, especially if we need to wake up

earlier than we are used to, yes, so now carefully, yes, yes, any modern alarm clock has the ability to do it so quickly turn off to sleep, now i saw something funny an alarm clock that is designed like this is a machine with wheels, which the moment it starts ringing, it runs away in an unknown direction, can roll under the closet, under the bed, anywhere and... it is clear that by the time you dig it out of there, we will have to wake up, it is clear that this is a toy, but it symbolizes this relationship with ourselves, we know about some of our weaknesses, and in the future we can try to somehow prevent them a little, it is very beautiful here, yes, because the way out sleep - this is exactly the one the very transition of the subconscious into the conscious, and here you can really actively manipulate yourself, forcing... to make the right decision, well, let’s just say that the software of many companies now allows you to use smartphones, did you

notice how it’s done, that is, there are two buttons: postpone stop, and snooze is a very big bright orange button there, and stop is written small at the bottom, because when you wake up and the alarm clock rings, you know that you have 10 more minutes, that’s it you think, well, of course put it on hold, yes, because i know a couple how you really learn to press put off, because you press stop a couple of times and you fall asleep there for an hour and a half, yes, that is, in principle, this is the very job that allows you to avoid such mistakes , well, in general, making decisions in stressful situations is wrong, that is, here we have not discovered anything new, when you are under pressure, you yourself gave an example that half of all marketing campaigns are built on here now, let’s be good now, to there was no way to analyze it, so in a hurry, what else?

the likelihood that your phone will actually break during this period is generally not that great, and how much time will it take, how much will it cost to actually fix it on the one hand, on the other hand, how much time will you lose to fix it? if you take advantage of the guarantee, then in general this is often not always the most cost-effective solution, i don’t want to say that it is obviously wrong, because you are buying peace of mind, which also costs some money, but you just need to look at it soberly and purely economically . in general, such offers are not the most profitable, well, yes, there is an entire industry,

called insurance, that works with similar situations, and there are whole scientists called actuaries who calculate the probability of this or that event, if we are talking about insurance car, there down to the make, driving experience, age and so on, but here it is, well, i hardly think that mathematically calculated numbers, here i am... decisions here, now, as a rule, i think that the majority of our audience knows that

they will be surprised, you will be surprised if you have never done this, that the next day the same offer will be valid with the same discount with the same, with the same the same conditions, and sometimes even better, the second thing is to evaluate the proposal, try to evaluate it in comparison with something, and if you don’t have anything to compare with, then it ’s either easier to refuse, or to set the goal anyway - still? some suggestion, returning to the anchor effect, there could be some completely extraneous effects , well, for example, let’s also assume that i come to buy a tv and see some huge tv for a million rubles, which i didn’t even think that i would buy, yes, but it will make me generally more ready in order to pay some conventional 1000 there for some other tv, yes,

so whether this is right or not, the question is yes, so in principle it is really better where there is no... no need to accept any hasty and emotional decisions, but this does not mean that if suddenly a friend calls you to go there for tea or a glass of beer, you should definitely refuse, such an impulsive decision can be very very good, yes, because we are living people, after all, and what people often regret at the end of life is that that we did not communicate enough with friends, with loved ones, therefore... some impulsive decisions are completely justified, returning to the important topic of trust, yes, if if you have trust, of course, trust, but verify, yes, but in in general, if, if there is trust and there is a basis for it, then it’s probably not necessary really strain on every occasion, calculate, look for some kind of catch everywhere. let's ask this question of a more personal nature, you yourself, as a person capable

of analyzing the situation, well , at least there almost immediately or a little later, even if it happened, you can... note those episodes in your life when you yourself became a victim of behavioral economics or special programs or influence, that is, you say, you think, well, a shoemaker without boots, i’m doing this, studying, and so succumbed, made a decision , under the influence, such moments have happened in your life, well, quite often, when i buy nuts, they are available somewhere at home, then in general, predictably, they disappear quite quickly, that is, in this sense, not.

.. because on the one hand we live in a world in which what are called hard skills, some serious fundamental knowledge, mathematics, physics, engineering become important, on the other hand, we interact with people all the time, therefore ability to interact with people, and i would even said, some kind of ethics, which in fact is also a very important component in behavioral economics, because ethics, justice are such... a set of ideas, i would say, not even knowledge, and behavioral economics is so important because what if we talk about cognitive

errors, well, i’m now reading a cool book by steven pinker, it’s called rationality, it says at the beginning that about 200 seem to be known. thank you very much anton for an interesting conversation. thank you very much mikhail, i think that curiosity is what helps us live happily and live better and become better people.

i am proud that i live in russia, i will never exchange my homeland, my russia. love for the homeland manifests itself as, well, kindness, cleanliness, courtship, and i think that care. we are bright, kind, sunny. for me, a russian person differs from others in that with the breadth of his soul you can take off your last shirt. give it to another person, we have one life, it’s not that long, we want to gain more knowledge, to see most of all, try, russia is the homeland, russia for me is

288 km from the capital of our homeland, moscow , well, the ocean, hills, taiga, fish, crabs, people, songs, tigers, sunsets, sunrises, yes, yes, and you are the first to meet the sun, yes, we envy you all a little, it’s true, but we are here, so let them envy us now, here is our old friend, vyacheslav vladimirovich, it turns out, yes, gavrilka, definitely from the kirov region, yes. the composer has taken part in our program more than once; this time he will present a song for the occasion, for playing harmony, for cold winds, these are the ones that surround us now from all sides, well, we’ll sing along,

probably winter, winter, oh, greetings to you, friends, so, the autumn sun is hanging outside the window, yeah, cold winds have blown, yes, withered leaves. fell into the grass, covered it and fell asleep , the birds flew south again, we will remember them and smile, because we are staying for the winter , because we are staying for the winter , because we are staying for the winter, because we are staying for the winter, because we are staying for the winter, again, so that leave warm apartments, gloves. scarves and sweatshirts, yeah, everything that will help us this year, during the cold winter, we will get warm jackets

again. let's smile at old things , because we're going to winter, because we're going to winter, we're staying, because we're going to winter, because we're going to winter, because we're going to winter , we're staying, it seems like recently it was may-july, the birds sang songs to us, yes, or maybe you saw how it was this year the herons flew to us in the spring, we will remember the past summer again, we will gather together more than once to spend the winter, because we are going to winter, because we are staying for the winter, because we are staying for the winter, because we are going to be wintering , because we are staying for the winter, because we we're staying for the winter.

babata doesn’t cry, every time she drops a ball into the river, she bent down sharply and became a scaffold, didn’t straighten up, there’s no belt, let him hit, hit, hit for the sake of the coolie. beats with a pulse without a season of dances close spring kulit with a pulse of vamu beats rodney kulit with a pulse beats without a season of dancing closed kuli let the woman beat guests will pile on the pulses beats with pulses beats beats radikuli let it knock down let it knock down biti nali let it knock down let it beat down coolie let it knock down i was born healthy i will only die healthy gave birth in the distance.

she goes to where there are a lot of people and baba tu beats and kills the sizonkry beats the beat let the woman beat this this hit is empty beats empty beats the best hit empty beats let him score this this and let him score let him score.

century, voronezh was the capital of the russian state for 500 days, why? yes, because peter i built his fleet here, you are a test pilot, yes, what is the difference from an ordinary pilot, the aircraft was just iron, after the test pilot lifted it into the sky, it already becomes an airplane, after so many years of communication with beavers, have you learned even a little of their language? a dissatisfied beaver, as it sounds, we cook brinza , we make ricotta, mozzarella, he makes this my fare, when we didn’t have a drill in our cars, we beat butter, i’m always shocked in our country, because people here invent

anything, life of their own, premiere, today on the first, bourbon steers. product of stellar group. mancacher whiskey is a product of the stellar group. we had it with us. the lines of his monologues became aphorisms. never exaggerate your enemies' stupidity and loyalty friends. yes, well said. it’s simply amazing to be friends with him, because he’s smart, brilliant, he commented on everything, spent a day, and came out educated. can i kiss? no no. i once told him, mikhail mikhailovich, do you know that you are a genius? he simply told me: “yes, clarke, i know, i’m confused.” this march marks the 90th anniversary of the birth of mikhail zhvanetsky. i remember how everyone froze at home, turned on the tape recorder, they were recording zhivanetsky, and at the age of 11 i could not understand what this man was saying, there were people in the hall

they were happy, they were happy at home. this is not prose, this is poetry. zhvanetsky's dictionary is the dictionary of the country. our exclusive today, the wife, son and friends of the satiricist. about his work and his last conversation. the main advice that my dad gave me, he told me: “have a conscience and do what you want.” exclusive with dmitry borisov. premiere on saturday on the first. no need, maybe he dressed very well, i think, for a woman or in general

in order to feel himself, he did most of his actions for the sake of a woman, i think that for the sake of women he became famous, well , when i dealt with women professionally, he had complexes, tall, young, i’m elderly, small, fat, bald, maybe i’m wrong , it’s quite possible, but what, yes, whatever, i’m definitely wrong , an elderly woman stands up and says, i didn’t understand in the auditorium... will he just read from a piece of paper and not sing? on the occasion of the ninetieth anniversary of the birth of mikhail zhvanetsky from tuesday on the first. okay, i say, gregory, great, consante. well, this is the bay

of the golden horn, but there is water everywhere here pacific, of course, of course, in any case, a pleasant city, what can you say, look, ships, water, this cold wind, the beginning of russia, everything is blowing like. this will is so broad, great, vladivostok, of course, this is the face of russia, unique, but this is our homeland, it is impossible not to love this city, glory to vladivostok.

bravo, a song of the kuban cossacks, was recorded from the displaced kostesh family in the village of komarovka , primorsky krai. oh, let us remember, brothers, we are kuban, twenty-first, sylryad.

we loved the germans, from dawn to dark, oh, yes, as we fought, we are with the german mattress of light, in the dark there is music playing with us. drumumka drums beat oh yes from namika played drums with thunder when the signalmen began to play in the crowd.

accordionist from novosibirsk grigory smolininov will play, whatever you think, an apple for sailors and not only.

bravo, well done, kalino, young kalino, young, i'm kalino, young pilada , i'm kalino, silver pilada, i'm in a bunch, knitting and i'm in a bunch, knitting and i

'm in a bunch, young kids, knitting for yakuchki, silver crocheted by the edge. i stacked the vegetables until she folded the edge of the path and the edge of the path, the young ones folded and the edge of the path silver from the treasure is coming, il from the decoction is coming, and il from the yard, yes, the darling is coming from the yard , yes, the darling is coming from the yard, yes, take the darling with you, she take the darling with you.