Habits are malleable throughout your entire life.
Research suggests that investment bankers are more prone to commit fraud when they feel the competitor at their heels.
Most of the choices we make each day may feel like the products of well-considered decision making, but they’re not. They’re habits.
For a habit to stay changed, people must believe change is possible.
Since the 17th century, insurance agents have been the foremost experts on risk.
At some point, if you're changing a really deep-seated behavior, you're going to have a moment of weakness.