Multiscale analysis of Benjamin Franklin's innovations in American paper money.

Benjamin Franklin was a preeminent proponent of the new colonial and Continental paper monetary system in 18th-century America. He established a network of printers, designing and printing money notes at the same time. Franklin recognized the necessity of paper money in breaking American dependence on the British trading system, and he helped print Continental money to finance the American War of Independence. We use a unique combination of nondistractive, microdestructive, and advanced atomic-level imaging methods, including Raman, Infrared, electron energy loss spectroscopy, X-ray diffraction, X-ray fluorescence, and aberration-corrected scanning transmission electron microscopy, to analyze pre-Federal American paper money from the Rare Books and Special Collections of the Hesburgh Library at the University of Notre Dame. We investigate and compare the chemical compositions of the paper fibers, the inks, and fillers made of special crystals in the bills printed by Franklin's printing network, other colonial printers, and counterfeit money. Our results reveal previously unknown ways that Franklin developed to safeguard printed money notes against counterfeiting. Franklin used natural graphite pigments to print money and developed durable "money paper" with colored fibers and translucent muscovite fillers, along with his own unique designs of "nature-printed" patterns and paper watermarks. These features and inventions made pre-Federal American paper currency an archetype for developing paper money for centuries to come. Our multiscale analysis also provides essential information for the preservation of historical paper money.

A 44-y perspective on the influence of cash on Ju/'hoansi Bushman networks of sharing and gifting.

Money has been portrayed by major theorists as an agent of individualism, an instrument of freedom, a currency that removes personal values attached to things, and a generator of avarice. Regardless, the impact of money varies greatly with the cultural turf of the recipient societies. For traditional subsistence economies based on gifting and sharing, surplus perishable resources foraged from the environment carry low costs to the giver compared with the benefits to the receiver. With cash, costs to the giver are usually the same as benefits to the receiver, making sharing expensive and introducing new choices. Using quantitative data on possessions and expenditures collected over a 44-y period from 1974 to 2018 among the Ju/'hoansi (!Kung) in southern Africa, former hunter-gatherers, we look at how individuals spend monetary income, how a partial monetary economy alters traditional norms and institutions (egalitarianism, gifting, and sharing), and how institutions from the past steer change. Results show that gifting declines as cash is spent to increase the well-being of individual families and that gifting and sharing decrease and networks narrow. The sharing of meals and casual gifting hold fast. Substantial material inequalities develop, even between neighbors, but social, gender, and political equalities persist. A strong tradition for individual autonomy combined with monetary income allows individuals to spend their money as they choose, adapt to modern conditions, and pursue new options. However, new challenges are emerging to develop greater community cooperation and build substantial and sustainable economies in the face of such centrifugal forces.

Neural Representation of Donating Time and Money.

Volunteering and charitable donations are two common forms of prosocial behavior, yet it is unclear whether these other-benefitting behaviors are supported by the same or different neurobiological mechanisms. During an fMRI task, 40 participants (20 female-identifying; age: mean = 18.92 years, range = 18.32-19.92 years) contributed their time (in minutes) and money (in dollars) to a variety of local charities. With the maximum amount of time and money that participants could spend on these charities, they did not differentially donate their time and money. At the neural level, donating time and money both showed activations in brain regions involved in cognitive control (e.g., dorsolateral PFC) and affective processing (e.g., dorsal anterior cingulate cortex), but donating time recruited regions involved in reward valuation (e.g., ventral striatum) and mentalizing (e.g., temporal pole) to a greater extent than donating money. Further, the precuneus, which is also a region involved in mentalizing, more strongly tracked the varying amount of money than time donated, suggesting that the precuneus may be more sensitive to the increasing magnitude of a nonsocial exchange (e.g., donating money is a financial exchange) than a social exchange (e.g., donating time is an interpersonal exchange). Our findings elucidate shared as well as distinct neurobiological properties of two prosocial behaviors, which have implications for how humans share different resources to positively impact their community.SIGNIFICANCE STATEMENT Prosocial behaviors broadly characterize how humans act to benefit others. Various prosocial behaviors, such as volunteering and charitable donations, share the goal of positively contributing to community. Our study identifies brain regions that may serve as ubiquitous neurobiological markers of community-based prosocial behaviors. Despite this shared goal, our study also shows that the human brain responds to donating time and money in diverging ways, such that brain regions associated with processing emotional reward and thinking about others are more strongly recruited for donating time than for money. Therefore, our study sheds light on how different personal resources, such as one's time and money, within a prosocial context are represented in the brain.

Anticipatory and consummatory neural correlates of monetary and music rewarding stimuli.

Most of the literature on the neural bases of human reward and punishment processing has used monetary gains and losses, but less is known about the neurophysiological mechanisms underlying the anticipation and consumption of other types of rewarding stimuli. In the present study, EEG was recorded from 19 participants who completed a modified version of the Monetary Incentive Delay (MID) task. During the task, cues providing information about potential future outcomes were presented to the participants. Then, they had to respond rapidly to a target stimulus to win money or listening to pleasant music, or to avoid losing money or listening to unpleasant music. Results revealed similar responses for monetary and music cues, with increased activity for cues indicating potential gains compared to losses. However, differences emerged in the outcome phase between money and music. Monetary outcomes showed an interaction between the type of the cue and the outcome in the Feedback Related Negativity and Fb-P3 ERPs and increased theta activity increased for negative feedbacks. In contrast, music outcomes showed significant interactions in the Fb-P3 and theta activities. These findings suggest similar neurophysiological mechanisms in processing cues for potential positive or negative outcomes in these two types of stimuli.

A monetary model of global peace and health.

BACKGROUND: This study aims to expand on the concept of peace and health by drawing from Keynes' theory of the economic consequences of peace, in light of the global pandemic experienced in 2020 due to COVID_19. METHODS: In this paper, I will elaborate on the concept of 'security', as an indicator of peace in the time of biological shocks, in order to expand the definition of Keynesian precautionary motivation. This puts forth a new monetary policy model developed to make contributions to achieving global peace. In so doing, I will calculate the optimal growth rate of discount rate through utilizing the Global Peace Index (GPI), adjusted by the Case Fatality Risk (CFR) of COVID-19 in a dynamic shopping time monetary model. This analysis is comprised of the top 15 GDP countries as well as the 10 most and least peaceful countries in 2020. RESULTS: The results indicate that households in more peaceful and healthy countries tend to hold less money compared to those in less peaceful and healthy countries. Besides, the discount rate needs to be reduced due to the outbreak of COVID-19 and the decrease in the level of peace in the economy. CONCLUSION: Insofar as the imposition of fines through international legal circles on countries with an insignificant health and peace policy will increase the cost of liquidity, other alternative methods of financing will be affor dable for the countries.

Family economic deprivation and self-esteem among preschoolers.

Previous studies have established a negative correlation between economic deprivation and self-esteem; however, limited insights exist regarding the onset of children linking self-esteem to economic status. To investigate this, we examined 198 preschoolers (96 girls and 102 boys) and their parents (170 mothers and 28 fathers). We assessed children's implicit and explicit self-esteem, whereas parents' reported on both personal relative deprivation and the family's economic objective deprivation. In addition, we explored children's money knowledge as a moderator. Our findings reveal that preschoolers may connect their implicit self-esteem with family economic status; however, such connections require basic knowledge about money. We discuss potential explanations for the influence of family economic deprivation, specifically on the implicit-not explicit-self-esteem of preschoolers.

On the value(s) of time: Workers' value of their time depends on mode of valuation.

In this paper, we investigate how individuals make time-money tradeoffs in labor contexts in which they are either asked to work to earn money or to pay money to avoid work. Theory predicts that exchange rates between time and money are invariant to the elicitation method. Results from our experiments, however, show otherwise, highlighting inconsistencies in how individuals consider their time. In the first two experiments, participants work to earn money, and we compare two incentivized elicitation methods. In the first, "Fixed-Time mode," we fix the amount of time participants need to work and elicit the minimum dollar amount they require to do the job. In the second, "Fixed-Money mode," we fix the amount of money we pay participants and ask for the maximum amount of time they are willing to work for that pay. We similarly vary elicitation procedures in Experiment 3 for paying money to avoid work. Translating the results into pay per hour, we find that in Fixed-Time mode, valuation of time is stable across durations, based on an analytical approach. By contrast, in Fixed-Money mode, participants increase their pay-per-hour demand when the amount of money increases, indicating a less calculated and more emotional view of time. Our results demonstrate that individuals' value of their time of labor can be fluid and dependent on the compensation structure. Our findings have implications for theories of time valuation in the labor market.

National assessments of money laundering risks: Stumbling at the start.

The Financial Action Task Force (FATF) requires national governments to demonstrate an understanding of the distribution of money laundering risks across different sectors of the financial system. Such understanding is the foundation for effective control of money laundering under the risk-based approach called for by the FATF. We analyzed the National Risk Assessments (NRAs) of eight systemically important countries before 2020 to test whether these demonstrated that basic understanding. The eight show very different conceptualizations, analytic approaches, and products. None showed more than minimal competence at risk assessment. For example, most relied largely on expert opinion, solicited, however, in ways that violated the well-developed methodology for eliciting expert opinion. They consistently misinterpreted Suspicious Activity Reports, the most fine-grained quantitative data available on money laundering, and failed to provide risk assessments relevant for policymakers. Only one described the methodology employed. Although conducting strong money laundering risk assessments is challenging, given the difficulty of estimating the extent of laundering in any sector, existing practices can be improved. We offer some potential explanations for the failure of governments to take this task seriously. The lack of involvement of risk assessment professionals is an important contributing factor to the weaknesses of the current NRAs.

Simulated Gambling: An Explorative Study Based on a Representative Survey.

Gambling usually involves wagering real money but can also be conducted with virtual money, chips, or coins. This phenomenon is sometimes referred to as simulated gambling, social gambling, or play money gambling. This study explores correlations and transitions between simulated gambling and real money gambling with an emphasis on gambling-related harms and public health concerns. The analysis is based on a national representative survey of 46,136 German Internet users which included 5,191 real money online gamblers (RMG), 54% of whom had also participated in simulated gambling (SG). The data set is divided into subsamples based on participation in SG to carve out significant differences in these groups in regard to various socio demographics, gambling patterns, and gambling problems. Regression models are used to predict RMG frequency, participation in SG, SG participation frequency, and problem gambling. The results show a clear proximity between SG and RMG with 17% of the total sample and 54% of problem gamblers reporting being "quite sure" or "certain" that simulated gambling had led them to gambling with real money. While 7% of individuals that engaged exclusively in RMG showed gambling problems, the rate is 33% for those that engaged in both RMG and SG. Regression results provide further evidence of a relationship between SG and problem gambling, although with differing effect sizes for different game forms. We argue that SG can be both a substitute and a primer for RMG, especially for problem gamblers.

Recipients of Representative Payeeship with Mental Illness: Financial Leverage, Conflict, and Satisfaction.

This study aimed to examine self-report of financial leverage, conflict, and satisfaction pertaining to representative payeeship for persons with mental illness, which research has not examined in the past decade. Sixty representative payee recipients with mental illness residing across the U.S. completed an online survey, with most (n = 50) receiving representative payeeship by family members/friends. Wilcoxon-Mann-Whitney tests and Spearman correlations were computed. One-third of participants reported experiencing financial leverage and conflict "sometimes" or more often and were dissatisfied with their representative payee arrangement. With the exception of use of alcohol and/or drugs, no participant characteristic was associated with financial leverage, conflict, or satisfaction. Financial leverage was reported to be greater when representative payees were family members/friends. Financial leverage and conflict were positively associated with each other and negatively associated with satisfaction. It is advisable that satisfaction with representative payeeship be increased and conflict resulting from representative payeeship be minimized.

Bitcoin Money Laundering Detection via Subgraph Contrastive Learning.

The rapid development of cryptocurrencies has led to an increasing severity of money laundering activities. In recent years, leveraging graph neural networks for cryptocurrency fraud detection has yielded promising results. However, many existing methods predominantly focus on node classification, i.e., detecting individual illicit transactions, rather than uncovering behavioral pattern differences among money laundering groups. In this paper, we tackle the challenges presented by the organized, heterogeneous, and noisy nature of Bitcoin money laundering. We propose a novel subgraph-based contrastive learning algorithm for heterogeneous graphs, named Bit-CHetG, to perform money laundering group detection. Specifically, we employ predefined metapaths to construct the homogeneous subgraphs of wallet addresses and transaction records from the address-transaction heterogeneous graph, enhancing our ability to capture heterogeneity. Subsequently, we utilize graph neural networks to separately extract the topological embedding representations of transaction subgraphs and associated address representations of transaction nodes. Lastly, supervised contrastive learning is introduced to reduce the effect of noise, which pulls together the transaction subgraphs with the same class while pushing apart the subgraphs with different classes. By conducting experiments on two real-world datasets with homogeneous and heterogeneous graphs, the Micro F1 Score of our proposed Bit-CHetG is improved by at least 5% compared to others.

Contrasting frontal cortical responses to food versus money rewards across BMI groups.

Previous research has linked obesity with an altered perception of rewards. This study aimed to contrast frontal cortical activities across body mass index (BMI) groups, in responding to differential rewards (monetary versus food). A total of 60 male participants (27.43 ± 6.07 years of age; 21 normal weight [BMI: 18.5-24.9 kg·m-2]; 20 overweight [BMI: 25.0-29.9 kg·m-2]; and 19 individuals with obesity [BMI ≥ 30 kg·m-2]) were tested for their response bias towards food and money rewards using the Probabilistic Reward Task (PRT), while their frontal cortical responses were recorded using electroencephalography (EEG). The feedback-related negativity (FRN), a reliable measure of reward valuation and learning, was calculated for food (FRN(Food)) and money (FRN(Money)). Results indicate a left-lateralised frontal cortical activity associated with the food reward condition, in the group of overweight and obesity. In contrast, a right-lateralisation was observed in the money reward condition only in the group with obesity. More specifically, FRN(Food) was shown to significantly differ between left and right frontal cortical areas among individuals with obesity (p = 0.035) and overweight (p = 0.012), but not in normal-weight individuals (p = 0.153). Additionally, results revealed that FRN(Food) and FRN(Money) were significantly different for individuals with obesity (p = 0.019), but such a significant difference was not evident in the overweight and normal-weight individuals (p ≥ 0.05). These findings offer intriguing new insights into neuropsychological differentiation across BMI groups, adding to the understanding of obesity-related behaviour.

"Here, your only relative is money " why slum social networks do not facilitate neighborhood community development: insights through a sanitation lens.

INTRODUCTION: Though social networks which are deemed vehicles of community development exist in slum areas, underdevelopment still persists in these areas. We explored the nature and role of social networks in facilitating community development in the slums of Kampala through a sanitation lens. METHODS: Qualitative Social Network Analysis (SNA) was done to understand the nature of slum social networks primarily through the analysis of sanitation behavior. Data were collected through six Focus Group Discussions (FGD), six In-depth Interviews (IDIs), and 18 Key Informant Interviews (KII) with Government, civil society and private stakeholders. We used both inductive and deductive thematic analysis. RESULTS: Four themes emerged in our analysis; i); Unsupportive environments, uncooperative neighbours and uncertainty of tenure: participants reported slums as unsupportive of community development due to a shortage of space, poverty and unplanned services. Tenants perceived landlords as exploitative and predatory and wished the tables are turned. This notion of cyclic exploitation did not encourage collective action for community good. Short-term economic survival trumped long-term community interests ii) Patronage and poor service delivery: varying degrees of patronage led to multiple forms of illegalities and violations such as tax evasion. Due to vested interests and corruption among public officials, the slum population was lethargic. iii) Intersecting realities of poverty and unemployment: slum dwellers lived on the margins daily. Hence, poor living conditions were a secondary concern. iv) Social relations for personal development: Slum social networks were driven by individual interests rather than community good. Slum dwellers prioritized connections with people of common socio-economic interests. As such social networks were instrumental only if they 'added value'. CONCLUSION: Social networks in slums are only concerned about survival needs. Slums require responses that address the complexity of slum formation and broader livelihood challenges, as well as re-assessing the meaning of community. We posit that more needs to be done in understanding the meaning and workings of a sociology beyond physical societies. Poverty is a modifier of social systems and processes and should be a concern for all stakeholders involved in slum development.

Determinants of the managerial staff's disposition towards e-payment platforms in public tertiary hospitals in Enugu, Nigeria: a cross-sectional study.

BACKGROUND: Many Nigerians pay out-of-pocket for their health care, and some hospitals have started utilising e-payment systems to increase transactional efficiency. The study investigated the type and usage of e-payment platforms in public hospitals and the factors that may influence the managerial staff's disposition towards using the e-payment system. METHODS: We conducted a cross-sectional survey of 300 managerial staff within the four public tertiary hospitals in Enugu, Nigeria, through proportionate quota sampling. The survey obtained participants' demographic characteristics, types of e-payment platforms, managerial staff's technophobia, perception of credibility, and disposition towards e-payment. Data were analysed using descriptive statistics, Spearman correlation, and hierarchical linear regression. RESULTS: The majority of the respondents (n = 278, 92.7% completion rate) aged 43.4 ± 7.6 years were females (59.0%) with a bachelor's degree (54.7%). Their disposition (80.0%±17.9%), perceptions of the usefulness (85.7 ± 13.9%), and user-friendliness (80.5 ± 18.1%) of e-payment in the hospital were positive, credibility (72.6 ± 20.1%) and technophobia (68.0 ± 20.7%) were moderate. There was a negative correlation between technophobia and disposition toward the use of e-payment (ρ = -0.50, P < 0.001). Significant multivariate predictors of managerial disposition towards e-payment were; being a woman (ß = 0.12, P = 0.033), married (ß = 0.18, P = 0.003), positive perception of usefulness (ß = 0.14, P = 0.025), and credibility (ß = 0.15, P = 0.032). CONCLUSION: Most participants had a positive disposition towards e-payment in public hospitals. However, managers with technophobia, a negative perception of e-payment usefulness, and credibility had a lesser disposition to its use. To ensure the universal implementation of e-payment in Nigerian hospitals, the service providers should make the e-payment platforms more secure and user-friendly to health services consumers and providers.

Mobile Money and the importance of timely, complete payments to frontline health campaign workers in the fight to eradicate polio: pilot experience from a World Health Organization digital payment platform in Africa.

BACKGROUND: In response to the increase in vaccine-derived poliovirus type 2 in Côte d'Ivoire, Mali, and many other African countries from 2017 to 2019, concentrated efforts are needed to improve the effectiveness of vaccination campaigns. Frontline polio health campaign worker engagement and job retention are critical to successful campaign implementation, as well as timely, in-full payment to these workers via an electronic system. METHODS: The Global Polio Eradication Initiative and its partners designed a road map to implement the World Health Organization Mobile Money digital payment system for health campaign workers across designated African Region countries and country-specific areas. The road map included: (1) strategy communication about Mobile Money to key stakeholders; (2) prioritization of Mobile Money pilot countries; (3) establishment of a digital finance team to support Mobile Money rollout for polio campaigns; (4) implementation of Mobile Money in select pilot areas; and (5) documentation by the digital finance team of Mobile Money implementation across pilot areas. At the country-specific level, and as described in the first pilot campaign in Côte d'Ivoire, implementation of Mobile Money occurred in 3 phases: precampaign, campaign, and postcampaign. RESULTS: Mobile Money was piloted in Côte d'Ivoire, Democratic Republic of the Congo, Ghana, Mali, and Republic of the Congo. Although program reach varied by country, the percentages of payments successfully made via Mobile Money in pilot countries were high: In campaign round 1, 99% of campaign workers in 2 regions in Mali, and 99% of campaign workers in 5 districts in Ghana were paid successfully. In Cote d'Ivoire, Mobile Money was piloted in all 113 districts for campaign rounds 1, 2 and 3, and in 4 districts in Abidjan for campaign round 3. In rounds 1, 2 and 3, 99.6%, 99.6%, and 99.9% of payments to polio health campaign workers, respectively, were made successfully. CONCLUSION: Implementation of the Mobile Money pilot program, particularly across Côte d'Ivoire, demonstrates the value of an electronic payment system in addressing frontline polio health campaign worker need for timely, in-full payment. The World Health Organization-led Mobile Money pilot program can serve as a model for agencies committed to delivering greater efficiencies and improved health campaigns in resource-challenged settings.

Nudging Online Gamblers to Withdraw Money: The Impact of Personalized Messages on Money Withdrawal Among a Sample of Real-World Online Casino Players.

A number of scholars have argued that online gambling can be more problematic than land-based gambling. Motivating gamblers to withdraw money from their online gambling account could lower losses because there would be less money available to lose. Therefore, the present study investigated whether personalized messages are an effective way of 'nudging' gamblers to withdraw money from their online gambling account. The authors were given access to a secondary dataset by Nederlandse Loterij (the national Dutch Lottery operator) comprising 4049 online gamblers. Two types of messages were used to 'nudge' gamblers to withdraw money from their gambling account (i.e., a 'winning streak' message and a 'withdrawal' message). The findings indicated that (i) 38% of gamblers reading the 'winning streak' messages withdrew money from their gambling account on the same day, and (ii) 18% of gamblers reading the 'withdrawal' messages withdrew money from their gambling account on the same day. Gamblers who read personalized messages also withdrew larger amounts of money from their gambling accounts compared to gamblers who did not read personalized messages. The findings suggest that the personalized messages can have an impact on both the likelihood to withdraw money as well as the amount of money which was withdrawn and could help reduce gambling-related harm.

Evaluating economic impacts of protected areas in contexts with limited data; the case of three national parks in Iceland.

Economic impacts of protected areas (PAs) are receiving more attention in recent years and methodology in this area is advancing. Multiple studies have illustrated that PAs are a potent land use strategy to generate multiple and direct economic benefits. These benefits are driven by tourism as the central economic activity in PAs worldwide. This study takes the case of Snæfellsjökull, Vatnajökull and þingvellir National Parks (NPs) in Iceland, characterized by limited regional economic data and multi-destination and -purpose visitor travel patterns. Its main objective is to advance understanding of the economic impacts related to PAs in the context of limited data availability. Our analysis is based on the widely used Money Generation Model (MGM2) -methodology, localized to the Icelandic context by using Icelandic labour data and national input-output (I-O) tables regionalized using the Flegg Location Quotient (FLQ). We provide a consistent approach for handling multi-destination and -purpose trips, and separating spending data between local and overall impacts. Based on 2019 visitor and economic data, the visitors (N = 2087) spent, on average, $113 per day in the parks and generated estimated total economic impacts between $30-99 MM with 347-1140 jobs generated across the study sites. For example, in Vatnajökull NP's southern region, the jobs supported locally by the park constituted 36% of all the jobs in the municipalities. Combined tax revenue to the state from the three parks was $88 MM. The localized methodology generated similar economic impacts as earlier studies but showed that employment impacts were previously overestimated by the default models. Our approach and findings can be used as a reference for others applying the MGM2 or similar methods, and they support policy development, decision-making and informed discussion between researchers, practitioners in PA and tourism management, municipalities and communities around PAs. Being able to show economic impacts is increasingly important for PAs to ensure sustained funding amid budget cuts and the transition of government bodies to business units. Limitations of the study include a lack of winter data for Vatnajökull and þingvellir NPs and broad categorization of the Icelandic economic data used in the I-O table regionalization. In further research, a comprehensive sustainability analysis is needed to complement the economic impact analysis and site-specific factors could be analysed in more detail.

Post-closure Cost Efficiency in Public Versus Private Landfills: The Case of Emilia-Romagna (Italy).

Waste management systems have developed in recent years toward the adoption of sustainable management principles and practices, such as circular economy, zero waste, resource efficiency, waste avoidance, re-use, and recycling. Nevertheless, landfills continue to be used for waste disposal despite their risks related to contamination and effects on urban development. Most research on landfills focuses on their operational and technical aspects, while the performance and cost efficiency in managing landfills is less commonly studied, especially their post-closure management. However, improving efficiency is very relevant in the context of scarce public sector resources. This paper, therefore, analyzes the efficiency of post-closure management of landfills. Drawing on agency and stewardship theories, we focus on the difference in efficiency between public and private management of post-closure landfills. We use a linear mixed regression model to analyze data from 2015 to 2018 relating to 54 landfills (79% of which are privately managed) in the Emilia-Romagna region of Italy. The results show that public management is more efficient than private management. Results contribute to defining drivers of cost and confirming a disparity in the performance of private and public management. Our results cast doubt on the assumption, which is prevalent in new public management theory, that private operators are more efficient than public ones. We conclude by highlighting that to reach efficiency, it is better to increase the effectiveness of regulation in terms of value for money, without pre-determined preferences for the type of management.

When couples fight about money, what do they fight about?

Conflicts about money and finances can be destructive for both the quality and longevity of relationships. This paper reports on a descriptive analysis of the contents of financial conflicts in two samples. Study 1 examined severe financial conflicts in social media posts (N = 1014) from reddit (r/relationships). Eight themes were identified via thematic analysis: "unfair relative contributions" "who pays for joint expenses", "job and income", "exceptional expenses", "terms of financial arrangements", "discrepant financial values", "one-sided financial decisions", and "perceived irresponsibility". Study 2 examined reports of more mundane financial disagreements recalled by married individuals (N = 481). Seven themes were identified via thematic analysis: "relative contributions", "job and income", "different values", "exceptional expenses", "mundane expenses", "money management", and "perceived irresponsibility". In both samples, themes could be ordered along the dimensions of "concerns about fairness" and "concerns about responsibility". The association of relationship outcomes (perceived partner responsiveness, couple satisfaction) with each theme and demographic predictors (income, relationship length, shared finances) were explored. Independent t-tests suggested that participants who recalled disagreements fitting the themes at the extreme ends of the two dimensions ("unfair relative contributions" and "perceived irresponsibility") reported worse relationship outcomes. In contrast, participants recalling disagreements fitting the theme of "mundane expenses" reported better relationship outcomes.

Busy or poor: How time or money scarcity cues differentially impact purchase decisions regarding service firms.

Our research uniquely shows that scarcity cues, when effectively managed by the service firms, can lead to favorable purchase decisions. We investigate how service firms that are scarce on time resource (busy) vs. money resource (poor) are perceived differentially on the two basic dimensions of social perceptions: warmth and competence. Across four studies, we provide the first empirical evidence that busy service firms are perceived higher on competence and poor service firms are perceived higher on warmth. We also find that service firms that are both busy and poor have the highest purchase preference compared to either busy or poor service firms. In addition, purchase preferences are moderated by the consumption contexts (exchange vs. communal relationship domain). Managerially, our findings that scarcity cues influence purchase preferences can benefit the design and execution of marketing strategies.