Since the 17th century, insurance agents have been the foremost experts on risk.

Willpower isn’t just a skill. It’s a muscle, like the muscles in your arms or legs, and it gets tired as it works harder, so there’s less power left over for other things.

Rather, to change a habit, you must keep the old cue, and deliver the old reward, but insert a new routine.

Small wins are a steady application of a small advantage.

If you dress a new something in old habits, it’s easier for the public to accept it.

The waste from power plants is essentially what is left over when you burn coal. And as we all know, coal is a relatively dirty mineral.

Belief is easier when it occurs within a community.