1. Department of Human Sciences The Ohio State University Columbus Ohio USA
2. School of Administrative Studies York University Toronto Ontario Canada
3. Consumers and Finance Behavioural Insights Team London United Kingdom
4. Centre for Decision Research Leeds University Business School, University of Leeds Leeds United Kingdom
5. Sol Price School of Public Policy, Dornsife Department of Psychology, Schaeffer Center for Health Policy and Economics, and Center for Economic and Social Research University of Southern California Los Angeles California USA