You examine the schedule for your favorite soccer team. the team plays 38 games each season. later you try recalling that schedule for your friend tom who likes the same team you do. chances are you will recall opponents at the beginning of the schedule particularly well. this is an example of the effect.

Pam is a low-risk careful driver and fran is a high-risk aggressive driver. to reveal their driver types, an auto-insurance company a. refuses to insure high-risk drivers b. charges a higher premium to owners of newer cars than to owners of older cars c. offers policies that enable drivers to reveal their private information d. uses a pooling equilibrium e. requires drivers to categorize themselves as high-risk or low-risk on the application form