responsible, even without making a choice, it is still some kind of choice, but well , there is a book by erichofromant, 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