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

Cravings are what drive habits. And figuring out how to spark a craving makes creating a new habit easier.

The problem is that your brain can't tell the difference between bad and good habits, and so if you have a bad one, it's always lurking there, waiting for the right cues and rewards.

The best agencies understood the importance of routines. The worst agencies were headed by people who never thought about it, and then wondered why no one followed their orders.

For a habit to stay changed, people must believe change is possible.

The biggest moment of flexibility in our shopping habits is when we have a child, because when you think about it, all of your old routines sort of go out the window, and suddenly a marketer can come in and sell you new kinds of things.

If you tell people that they have what it takes to succeed, they'll prove you right