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1.
Risk Anal ; 44(4): 918-938, 2024 Apr.
Article in English | MEDLINE | ID: mdl-37507343

ABSTRACT

Uncertainty that arises from disputes among scientists seems to foster public skepticism or noncompliance. Communication of potential cues to the relative performance of contending scientists might affect judgments of which position is likely more valid. We used actual scientific disputes-the nature of dark matter, sea level rise under climate change, and benefits and risks of marijuana-to assess Americans' responses (n = 3150). Seven cues-replication, information quality, the majority position, degree source, experience, reference group support, and employer-were presented three cues at a time in a planned-missingness design. The most influential cues were majority vote, replication, information quality, and experience. Several potential moderators-topical engagement, prior attitudes, knowledge of science, and attitudes toward science-lacked even small effects on choice, but cues had the strongest effects for dark matter and weakest effects for marijuana, and general mistrust of scientists moderately attenuated top cues' effects. Risk communicators can take these influential cues into account in understanding how laypeople respond to scientific disputes, and improving communication about such disputes.


Subject(s)
Attitude , Dissent and Disputes , Humans , Communication , Climate Change , Judgment
2.
Risk Anal ; 2023 Nov 08.
Article in English | MEDLINE | ID: mdl-37939398

ABSTRACT

Demands to manage the risks of artificial intelligence (AI) are growing. These demands and the government standards arising from them both call for trustworthy AI. In response, we adopt a convergent approach to review, evaluate, and synthesize research on the trust and trustworthiness of AI in the environmental sciences and propose a research agenda. Evidential and conceptual histories of research on trust and trustworthiness reveal persisting ambiguities and measurement shortcomings related to inconsistent attention to the contextual and social dependencies and dynamics of trust. Potentially underappreciated in the development of trustworthy AI for environmental sciences is the importance of engaging AI users and other stakeholders, which human-AI teaming perspectives on AI development similarly underscore. Co-development strategies may also help reconcile efforts to develop performance-based trustworthiness standards with dynamic and contextual notions of trust. We illustrate the importance of these themes with applied examples and show how insights from research on trust and the communication of risk and uncertainty can help advance the understanding of trust and trustworthiness of AI in the environmental sciences.

3.
Soc Sci Med ; 324: 115867, 2023 05.
Article in English | MEDLINE | ID: mdl-37040680

ABSTRACT

Two decades ago a research team clarified that cross-sectional associations of risk perceptions and protective behavior can only test an "accuracy" hypothesis: e.g., people with higher risk perceptions at Ti should also exhibit low protective behavior and/or high risky behavior at Ti. They argued that these associations are too often interpreted wrongly as testing two other hypotheses, only testable longitudinally: the "behavioral motivation" hypothesis, that high risk perception at Ti increases protective behavior at Ti+1, and the "risk reappraisal" hypothesis, that protective behavior at Ti reduces risk perception at Ti+1. Further, this team argued that risk perception measures should be conditional (e.g., personal risk perception if one's behavior does not change). Yet these theses have garnered relatively little empirical testing. An online longitudinal panel study of U.S. residents' COVID-19 views across six survey waves over 14 months in 2020-2021 tested these hypotheses for six behaviors (hand washing, mask wearing, avoiding travel to infected areas, avoiding large public gatherings, vaccination, and [for five waves] social isolation at home). Accuracy and behavioral motivation hypotheses were supported for both behaviors and intentions, excluding a few waves (particularly in February-April 2020, when the pandemic was new in the U.S.) and behaviors. The risk reappraisal hypothesis was contradicted-protective behavior at one wave increased risk perception later-perhaps reflecting continuing uncertainty about efficacy of COVID-19 protective behaviors and/or that dynamic infectious diseases may yield different patterns than chronic diseases dominating such hypothesis-testing. These findings raise intriguing questions for both perception-behavior theory and behavior change practice.


Subject(s)
COVID-19 , Humans , COVID-19/prevention & control , Cross-Sectional Studies , Motivation , Intention , Perception
4.
Risk Anal ; 2022 Sep 11.
Article in English | MEDLINE | ID: mdl-36088661

ABSTRACT

Surveys in three U.S. localities (n = 523) with proposed or existing land-based aquaculture facilities probed trust's relationship with perceived net benefits and public intentions to cooperate with siting of this novel technology. The trust, confidence, and cooperation (TCC) model posits that shared values shape willingness to be vulnerable to others (trust), while past performance shapes certainty that others will behave as expected (confidence). Trust affects confidence given moral outweighs performance information, possibly varying by familiarity. Other research suggests that trust shapes benefit and risk perceptions, which drive cooperation (defined here by potentially observable behavior: voting on siting, trying to influence government decisions directly or through citizen groups, and buying or eating facility fish). Confirmatory factor analyses suggested that a two-factor model fit the trust/confidence measures better than a one-factor model or a two-factor model without inter-factor correlation, indicating (despite a strong association of trust and confidence) that they are empirically distinct. Path analyses suggested that trust had stronger direct effects on cooperation than did confidence, reflecting the TCC notion that moral information underlying trust judgments is more influential, and stronger indirect effects through benefit-risk judgments. Model fit was better than if the benefit-risk mediator was omitted. Trust in government had a small direct effect on cooperation and confidence, but a large effect on trust in the corporation, and model fit was much worse if any of these paths was omitted. Low familiarity with the project lowered both model fit and trust-confidence association. We discuss implications for risk analysis theory and practice.

5.
Risk Anal ; 42(12): 2620-2638, 2022 12.
Article in English | MEDLINE | ID: mdl-35092966

ABSTRACT

A novel stated-preference "macro-risk" approach introduced to estimate the life-prolonging benefits of proposed environmental, health, and safety regulations may answer questions unasked or wrongly answered by conventional revealed-preference (e.g., "wage premiums" for high occupational risks) and stated-preference methods (e.g., willingness to pay for tiny reductions in one's own premature death risk). This new approach asks laypeople to appraise directly their preferred tradeoffs between national regulatory costs and lives prolonged nationwide (regulatory benefits). However, this method may suffer from incomplete lay understanding of national-scale consequences (e.g., billions of dollars in regulatory costs; hundreds of lives prolonged) or tradeoffs (e.g., what are lives prolonged worth?). Here we (1) tested effects of numerical contextual examples to ground each hypothetical regulatory tradeoff, and (2) explored why some people implicitly offer "implausible" values (< $10,000 or > $1 billion) for the social benefit of prolonging one life. In Study 1 (n = 356), after testing their separate effects, we combined three contextual-information aids: (1) comparing hypothetical regulatory costs and benefits to real-life higher and lower values; (2) reframing large numbers into smaller, more familiar terms; and (3) framing regulatory costs as having diffuse versus concentrated impacts. Information increased social benefits values on average (from $4.5 million to $13.8 million). Study 2 (n = 402) found that the most common explanations for "implausible" values included inattention, strong attitudes about regulation, and problems translating values into responses. We discuss implications for this novel stated-preferences method, and for comparing it to micro-risk methods.


Subject(s)
Cost-Benefit Analysis , Government Regulation , Longevity , Humans
6.
J Health Commun ; 26(5): 328-338, 2021 05 04.
Article in English | MEDLINE | ID: mdl-34185622

ABSTRACT

We used the 2014-2016 Ebola outbreak to examine the relationships between risk perceptions and media coverage (volume and content). We analyzed how public opinion from longitudinal U.S. panel data related to the number of published news articles and the proportion that discussed risks. News following, volume and risk content were positively related to U.S. and global risk perceptions. Perceptions of U.S. risk declined at different rates, depending upon news attention and potential exposure to risk content. Both media volume and content were significant factors, suggesting scholars should focus more on combined effects of news media volume and content.


Subject(s)
Hemorrhagic Fever, Ebola , Communication , Disease Outbreaks , Hemorrhagic Fever, Ebola/epidemiology , Hemorrhagic Fever, Ebola/prevention & control , Humans , Mass Media , Perception , United States/epidemiology
7.
Pers Soc Psychol Bull ; 47(2): 167-184, 2021 02.
Article in English | MEDLINE | ID: mdl-32452297

ABSTRACT

We use network psychometrics to map a subsection of moral belief systems predicted by moral foundations theory (MFT). This approach conceptualizes moral systems as networks, with moral beliefs represented as nodes connected by direct relations. As such, it advances a novel test of MFT's claim that liberals and conservatives have different systems of foundational moral values, which we test in three large datasets (NSample1 = 854; NSample2 = 679; NSample3 = 2,572), from two countries (the United States and New Zealand). Results supported our first hypothesis that liberals' moral systems show more segregation between individualizing and binding foundations than conservatives. Results showed only weak support for our second hypothesis, that this pattern would be more typical of higher educated than less educated liberals/conservatives. Findings support a systems approach to MFT and show the value of modeling moral belief systems as networks.


Subject(s)
Morals , Politics , Ethical Theory , Female , Humans , Male , New Zealand , Psychometrics , United States
8.
Health Commun ; 36(12): 1571-1580, 2021 11.
Article in English | MEDLINE | ID: mdl-32496934

ABSTRACT

The objective of this study is to better understand the effects of media attention on Americans' perceptions of risk by analyzing the different media sources and outlets, or "repertoires," reported as used during the small 2016-2017 Zika outbreak in the U.S. We analyzed survey data from a four-wave longitudinal panel study over nine months - July 19, 2016 through April 24, 2017 (n = 743) - using an online panel of American adults. Media attention related to ratings of personal risk, U.S. risk, and need for action. Personal risk was enhanced more by reported attention to international coverage, reduced by certain reported website attention, but enhanced by reported attention to public health agency websites. U.S. risk was enhanced by reported attention to both domestic and international coverages, reduced by television. Judged need for U.S. action was enhanced more by exposure to domestic coverage, reduced by reported attention to television and local newspapers, but enhanced by reported exposure to BBC and CNN. Our results demonstrate how the use of different media outlets and sources are related to different perceptions of risk and need for action during 2016-2017 Zika outbreak.


Subject(s)
Zika Virus Infection , Zika Virus , Adult , Disease Outbreaks , Humans , Perception , Public Health , United States/epidemiology , Zika Virus Infection/epidemiology , Zika Virus Infection/prevention & control
9.
Risk Anal ; 41(3): 429-455, 2021 03.
Article in English | MEDLINE | ID: mdl-30970166

ABSTRACT

Cultural theory (CT) developed from grid/group analysis, which posits that different patterns of social relations-hierarchist, individualist, egalitarian, and fatalist-produce compatible cultural biases influencing assessment of which hazards pose high or low risk and how to manage them. Introduced to risk analysis (RA) in 1982 by Douglas and Wildavsky's Risk and Culture, this institutional approach to social construction of risk surprised a field hitherto focused on psychological influences on risk perceptions and behavior. We explain what CT is and how it developed; describe and evaluate its contributions to the study of risk perception and management, and its prescriptions for risk assessment and management; and identify opportunities and resources to develop its contributions to RA. We suggest how the diverse, fruitful, but scattered efforts to develop CT both inside and outside the formal discipline of RA (as exemplified by the Society for Risk Analysis) might be leveraged for greater theoretical, methodological, and applied progress in the field.

10.
Public Underst Sci ; 30(1): 103-114, 2021 01.
Article in English | MEDLINE | ID: mdl-33103590

ABSTRACT

Lay beliefs about scientist-employer relations may affect public attitudes toward science. A representative sample of US residents characterized scientists' relations with one of four employers: federal government agency, large business corporation, advocacy group (nonprofit seeking to influence policy), or university. Overall, they held moderate views of how much scientists and employers shared motivations, interests, and values, and of whether employers tried to change-and succeeded in changing-how scientist employees did their scientific work. Judgments differed little across employers. Best predictors of these views were belief in scientific positivism, subjective knowledge of science, and age. These findings suggest scientific authority in the United States is not immediately threatened by public beliefs that employers skew their scientific employees' work, although that might differ for specific topics or demographic sub-groups.


Subject(s)
Motivation , Physicians , Humans , Knowledge , Public Opinion , United States
11.
Public Underst Sci ; 29(1): 2-20, 2020 01.
Article in English | MEDLINE | ID: mdl-31621505

ABSTRACT

Scholars have not examined public views of scientific motivations directly, despite scientific authority implications. A US representative sample rated 11 motivations both descriptively (they do motivate scientists' work) and normatively (they should motivate scientists) for scientists employed by federal government agency, large business corporation, advocacy group (nonprofit seeking to influence policy), or university. Descriptive and normative ratings fell into extrinsic (money, fame, power, being liked, helping employer) and intrinsic (do good science, enjoy challenge, helping society and others) motivation factors; being independent and gaining respect were outliers. People saw intrinsic motivations as more common, but wanted intrinsic motivations to dominate extrinsic ones even more. Despite a few differences for extrinsic-motivation ratings, the lay public tended to see scientific work as similarly motivated regardless of the employer. Variance in perceived science motivations was explained by scientific beliefs (positivism, credibility) and knowledge (of facts and scientific reasoning), complemented by political ideology and religiosity.

12.
Risk Anal ; 39(12): 2694-2717, 2019 12.
Article in English | MEDLINE | ID: mdl-31339584

ABSTRACT

Understanding factors affecting decisions by people to protect themselves, or not, is critical to designing supportive communications. Here, threat, protective-action, and stakeholder perceptions were evaluated for effects on mainland Americans' behavioral intentions regarding Zika in April 2017, as postulated by the Protective Action Decision Model. Although all three perception types (including a novel resource sufficiency measure) affected intentions, these relationships varied widely depending upon the method used to measure adoption of actions (e.g., total count of all behaviors adopted vs. behavior-specific analyses), the behaviors involved, and whether analysis focused on the full sample or only on people who had a reasonable opportunity to enact the behavior or who believed it relevant to their lives. There was a general contrast between mosquito control actions (removal of mosquito breeding areas and pesticide spraying) and travel-related behaviors (avoiding travel to areas of local transmission of the virus, protecting oneself from mosquito bites after potential exposure, and practicing safe sex after potential exposure). Reported action or inaction during the 2016 mosquito season, and stages of behavior change, were both elicited in January-February 2017; both drove intentions in April 2017 for the upcoming season, although direct and indirect effects varied widely. Collectively these findings present theoretical, measurement, and practical implications for understanding, tracking, and promoting voluntary protective actions against hazards.


Subject(s)
Zika Virus Infection/prevention & control , Adult , Disease Outbreaks , Female , Health Behavior , Humans , Male , United States/epidemiology
13.
Risk Anal ; 39(8): 1657-1674, 2019 08.
Article in English | MEDLINE | ID: mdl-30908703

ABSTRACT

Risk analysis and hazard management can prompt varied intra-scientific disputes, some which have or will become public, and thus potentially available for lay judgments of the relative validity of the positions taken. As attentive laypeople may include elites as well as the general public, understanding whether and how cues to credibility of disputing groups of scientists might shape those lay judgments can be important. Relevant literatures from philosophy, social studies of science, risk analysis, and elsewhere have identified potential cues, but not tested their absolute or relative effects. Two experiments with U.S. online panel members tested multiple cues (e.g., credentials, experience, majority opinions, research quality) across topics varying in familiarity subject to actual intra-science disputes (dark matter, marijuana, sea-level rise). If cues supported a position, laypeople were more likely to choose it as relatively more valid, with information quality, majority "vote," experience, and degree source as the strongest, and interest, demographic, and values similarity as the weakest, cues. These results were similar in overall rankings to those from implicit rankings of cue reliability ratings from an earlier U.S. online survey. Proposed moderators were generally nonsignificant, but topic familiarity and subjective topic knowledge tended to reduce cue effects. Further research to confirm and extend these findings can inform both theory about citizen engagement with scientific and risk disputes, and practice in communication about science and risk.


Subject(s)
Cues , Dissent and Disputes , Risk , Science , Humans , Reproducibility of Results
14.
PLoS One ; 14(2): e0211269, 2019.
Article in English | MEDLINE | ID: mdl-30730902

ABSTRACT

There has been increasing attention to understanding how laypeople explain disagreements among scientists. In this article, we evaluate the factorial validity and scale/item functioning of a Science Dispute Reasons scale (Study 1) and test specific hypotheses about demographic, individual difference, and topic-related variables that may explain why some reasons are perceived to be more likely than others (Study 2). The final scale included 17 items grouped into three reason factors (Process/Competence, Interests/Values, and Complexity/Uncertainty), which is largely consistent with previous research. We find a mixed pattern of global and specific impacts on reason likelihood ratings from a range of variables including political ideology and conspiracist ideation (primary mediated through perceived credibility of science), science knowledge, and topic-related variables such as knowledge of and care about the dispute in question. Overall, science dispute reasons appear to be more strongly driven by attitudes and worldviews as opposed to objective knowledge and skills. These findings represent progress in understanding lay perceptions of the causes of scientific disputes, although much work remains. We discuss the implications of this work and directions for future research.


Subject(s)
Dissent and Disputes , Adolescent , Adult , Aged , Aged, 80 and over , Female , Humans , Knowledge , Male , Middle Aged , Psychometrics , Surveys and Questionnaires , Young Adult
15.
Risk Anal ; 38(12): 2561-2579, 2018 12.
Article in English | MEDLINE | ID: mdl-30176187

ABSTRACT

Two 2017 experiments with a U.S. national opportunity sample tested effects of location, psychological distance (PD), and exposure to location-related information on Americans' Zika risk views and behavioral intentions. Location-distance from mosquito transmission of the virus in Florida and Texas; residence within states with 100+ Zika infections; residence within potential mosquito vector ranges-had small, inconsistent effects. Hazard proximity weakly enhanced personal risk judgments and concern about Zika transmission locally. It also increased psychological proximity, and intentions of mosquito control, avoiding travel to Zika-infected areas, and practicing safe sex. PD-particularly social and geographical distance, followed by temporal distance, with few effects for uncertainty-modestly and inconsistently decreased risk views and intentions. Exposure to location-related information from the U.S. Centers for Disease Control and Prevention website-naming states with 100+ Zika cases; maps of potential mosquito vector habitat-increased risk views and psychological closeness, but not intentions; maps had slightly stronger if inconsistent effects versus prevalence information. Structural equation modeling (SEM) of a location > PD > risk views > intention path explained modest variance in intentions. This varied in degree and kind (e.g., which location measures were significant) across behaviors, and between pre- and postinformation exposure analyses. These results suggest need for both theoretical and measurement advances regarding effects of location and PD on risk views and behavior. PD mediates location effects on risk views. Online background information, like that used here, will not enhance protective behavior without explicitly focused communication and perhaps higher objective risk.


Subject(s)
Communication , Disease Outbreaks/prevention & control , Health Behavior , Pregnancy Complications, Infectious/prevention & control , Pregnancy Complications, Infectious/psychology , Residence Characteristics , Zika Virus Infection/prevention & control , Zika Virus Infection/psychology , Animals , Centers for Disease Control and Prevention, U.S. , Culicidae , Female , Florida , Health Education , Humans , Pregnancy , Pregnancy Complications, Infectious/virology , Risk , Risk Assessment , Risk Factors , Social Media , Travel , United States , Zika Virus
16.
Public Underst Sci ; 27(5): 594-610, 2018 Jul.
Article in English | MEDLINE | ID: mdl-28459189

ABSTRACT

Publicized disputes between groups of scientists may force lay choices about groups' credibility. One possible, little studied, credibility cue is vote-counting (proportions of scientists on either side): for example, "97%" of climate scientists believe in anthropogenic climate change. An online sample of 2600 Americans read a mock article about a scientific dispute, in a 13 (proportions: 100%-0%, 99%-1%, … 50%-50%, … 1%-99%, 0%-100% for Positions A and B, respectively) × 8 (scenarios: for example, dietary salt, dark matter) between-person experiment. Respondents reported reactions to the dispute, attitudes toward the topic, and views on science. Proportional information indirectly affected judged agreement but less so topic or science responses, controlling for scenarios and moderators, whether by actual proportions or differing contrasts of "consensus" versus "near-consensus." Given little empirical research with conflicting findings, even these low effect sizes warrant further research on how vote-counting might help laypeople deal with scientific disputes.

17.
Risk Anal ; 38(4): 666-679, 2018 04.
Article in English | MEDLINE | ID: mdl-28853163

ABSTRACT

We test here the risk communication proposition that explicit expert acknowledgment of uncertainty in risk estimates can enhance trust and other reactions. We manipulated such a scientific uncertainty message, accompanied by probabilities (20%, 70%, implicit ["will occur"] 100%) and time periods (10 or 30 years) in major (≥magnitude 8) earthquake risk estimates to test potential effects on residents potentially affected by seismic activity on the San Andreas fault in the San Francisco Bay Area (n = 750). The uncertainty acknowledgment increased belief that these specific experts were more honest and open, and led to statistically (but not substantively) significant increases in trust in seismic experts generally only for the 20% probability (vs. certainty) and shorter versus longer time period. The acknowledgment did not change judged risk, preparedness intentions, or mitigation policy support. Probability effects independent of the explicit admission of expert uncertainty were also insignificant except for judged risk, which rose or fell slightly depending upon the measure of judged risk used. Overall, both qualitative expressions of uncertainty and quantitative probabilities had limited effects on public reaction. These results imply that both theoretical arguments for positive effects, and practitioners' potential concerns for negative effects, of uncertainty expression may have been overblown. There may be good reasons to still acknowledge experts' uncertainties, but those merit separate justification and their own empirical tests.

18.
Public Underst Sci ; 27(7): 824-835, 2018 10.
Article in English | MEDLINE | ID: mdl-29076775

ABSTRACT

A survey experiment assessed response to five explanations of scientific disputes: problem complexity, self-interest, values, competence, and process choices (e.g. theories and methods). A US lay sample ( n = 453) did not distinguish interests from values, nor competence from process, as explanations of disputes. Process/competence was rated most likely and interests/values least; all, on average, were deemed likely to explain scientific disputes. Latent class analysis revealed distinct subgroups varying in their explanation preferences, with a more complex latent class structure for participants who had heard of scientific disputes in the past. Scientific positivism and judgments of science's credibility were the strongest predictors of latent class membership, controlling for scientific reasoning, political ideology, confidence in choice, scenario, education, gender, age, and ethnicity. The lack of distinction observed overall between different explanations, as well as within classes, raises challenges for further research on explanations of scientific disputes people find credible and why.

19.
Public Underst Sci ; 26(3): 325-338, 2017 Apr.
Article in English | MEDLINE | ID: mdl-26346339

ABSTRACT

Expert disputes can present laypeople with several challenges including trying to understand why such disputes occur. In an online survey of the US public, we used a psychometric approach to elicit perceptions of expert disputes for 56 forecasts sampled from seven domains. People with low education, or with low self-reported topic knowledge, were most likely to attribute disputes to expert incompetence. People with higher self-reported knowledge tended to attribute disputes to expert bias due to financial or ideological reasons. The more highly educated and cognitively able were most likely to attribute disputes to natural factors, such as the irreducible complexity and randomness of the phenomenon. Our results show that laypeople tend to use coherent-albeit potentially overly narrow-attributions to make sense of expert disputes and that these explanations vary across different segments of the population. We highlight several important implications for scientists, risk managers, and decision makers.


Subject(s)
Dissent and Disputes , Knowledge , Perception , Public Opinion , Adult , Aged , Female , Forecasting , Humans , Male , Middle Aged , Psychometrics , United States , Young Adult
20.
Risk Anal ; 36(6): 1148-70, 2016 06.
Article in English | MEDLINE | ID: mdl-26742683

ABSTRACT

Public perceptions of both risks and regulatory costs shape rational regulatory choices. Despite decades of risk perception studies, this article is the first on regulatory cost perceptions. A survey of 744 U.S. residents probed: (1) How knowledgeable are laypeople about regulatory costs incurred to reduce risks? (2) Do laypeople see official estimates of cost and benefit (lives saved) as accurate? (3) (How) do preferences for hypothetical regulations change when mean-preserving spreads of uncertainty replace certain cost or benefit? and (4) (How) do preferences change when unequal interindividual distributions of hypothetical regulatory costs replace equal distributions? Respondents overestimated costs of regulatory compliance, while assuming agencies underestimate costs. Most assumed agency estimates of benefits are accurate; a third believed both cost and benefit estimates are accurate. Cost and benefit estimates presented without uncertainty were slightly preferred to those surrounded by "narrow uncertainty" (a range of costs or lives entirely within a personally-calibrated zone without clear acceptance or rejection of tradeoffs). Certain estimates were more preferred than "wide uncertainty" (a range of agency estimates extending beyond these personal bounds, thus posing a gamble between favored and unacceptable tradeoffs), particularly for costs as opposed to benefits (but even for costs a quarter of respondents preferred wide uncertainty to certainty). Agency-acknowledged uncertainty in general elicited mixed judgments of honesty and trustworthiness. People preferred egalitarian distributions of regulatory costs, despite skewed actual cost distributions, and preferred progressive cost distributions (the rich pay a greater than proportional share) to regressive ones. Efficient and socially responsive regulations require disclosure of much more information about regulatory costs and risks.

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