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disclosure

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    Incentive Design Entry #0380

    Why commission changes advice more than dishonesty

    Advisers paid by outcome rarely lie. They notice different options, so the incentive does its work through attention rather than through deceit.

    Master
    The hidden part #0380

    An incentive does not need to corrupt anyone. It only needs to change which option comes to mind first.

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    Market Signals Entry #0414

    The reason a refund rate is published only when low

    Voluntary disclosure is not a sample of the facts. Where hiding a number is allowed, every published number is one that its owner preferred to publish.

    Adept
    The hidden part #0414

    Where silence is permitted, published figures are a sample of preferences, not a sample of the market.

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    Market Signals Entry #0413

    Why silence from a large company is a signal

    An organisation with a communications department can always issue a denial. When it issues nothing instead, the absence carries information a denial would not.

    Novice
    The hidden part #0413

    A denial is cheap for those who can safely deny. Silence is what remains when the cheap option is unavailable.

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    Decision Architecture Entry #0142

    Why a signature at the top beats one at the bottom

    A signature at the end certifies statements already written. A signature at the start makes honesty salient while there is still something to be honest about.

    Adept
    The hidden part #0142

    An oath taken after the answers can only confirm them. Taken before, it is present while the answers are still being decided.

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    Choice Design Entry #0242

    Why grey text is a design decision, not an accident

    Contrast controls how much of a page is read. Lowering it on one paragraph is not a styling choice but a decision about what will be processed.

    Adept
    The hidden part #0242

    Contrast is not decoration. It is the setting that decides which sentences are read and which are only present.

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    Cognitive Bias Entry #0119

    Why a warning label can make a product seem safer

    A disclosed risk is read as evidence of candour. The reader discounts the stated hazard and quietly upgrades their trust in everything left unstated.

    Adept
    The hidden part #0119

    A small admitted risk is not a confession. It is a credential, and the reader charges the rest of the page against it.

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    Framing Effects Entry #0521

    Why a small print frame changes a large claim

    A qualification only qualifies if it is read. Position, size and timing determine whether it modifies the claim or merely accompanies it.

    Novice
    The hidden part #0521

    A qualifier must beat the claim for attention or it merely accompanies it. Present and effective are different properties.

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    Choice Design Entry #0247

    The reason a tick box beats a signature for consent

    A signature demands a moment of deliberate assumption of responsibility. A tick is a step in a flow, and flows are completed rather than considered.

    Adept
    The hidden part #0247

    Consent rates and comprehension rates have separated completely. Both numbers are true, and only one of them is stored.

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    Brand Language Entry #0498

    Why sustainability language converged industry-wide

    Firms facing the same scrutiny from the same raters adopt the same vocabulary. Convergence is evidence of shared audiences, not of shared practice.

    Adept
    The hidden part #0498

    Identical wording across an industry evidences a shared audience, not a shared practice. Nobody had to coordinate to arrive there.

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