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vector icon line sign irrationality incentives choices emotions biases decisionmaking perception risk framing loss aversion prospect theory social norms anchoring availability heuristic confirmation bias endowment effect herding status quo timeinconsistent preferences selfcontrol nudging behavioral insights finance mental accounting overconfidence priming sunk cost fallacy scarcity default hyperbolic discounting intertemporal choice limited attention reciprocity proof trust utility hedonic adaptation reference dependence rationality salience willpower investment motivation anchoringandadjustment system and thinking