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Full-Text Articles in Social and Behavioral Sciences

Memory And Distance: On Nobuhiro Suwa's A Letter From Hiroshima, Jessica Fernanda Conejo Muñoz Oct 2018

Memory And Distance: On Nobuhiro Suwa's A Letter From Hiroshima, Jessica Fernanda Conejo Muñoz

Genocide Studies and Prevention: An International Journal

A Letter from Hiroshima is the second production directed by Nobuhiro Suwa on the Japanese city that was ravaged by the atomic bombings, by the United States, in 1945. The short film is a reflective game which approach to the past is based on distancing effects. The distance, understood in the sense of Brecht and counter cinema, is part of an experimental process that becomes a political technique of construction and decipherment of memory. Suwa’s work is opposed to the belief that history is something that can be narrated, since the approximation to the past is not carried out through …


A Hermeneutic Exploration Of The Therapeutic Process Of Clinicians At An Eating Disorder Treatment Center, Sabree Anne Crowton Oct 2018

A Hermeneutic Exploration Of The Therapeutic Process Of Clinicians At An Eating Disorder Treatment Center, Sabree Anne Crowton

Theses and Dissertations

Eating disorders remain extremely difficult to treat and investigation has revealed that manual-based eating disorder treatment outcomes have failed to improve over the second half of the last century. Various studies have observed that clinicians use evidence-based treatments for eating disorders inconsistently and often exclude fundamental theoretical techniques. Some argue that this departure from evidence-based practice may in some cases be the efforts of clinicians to develop methods more sensitive to real world situations. It stands to reason that some of the techniques currently being used by clinicians are promising treatment approaches. The purpose of this study was to explore …


Book Review: Rwanda Before The Genocide: Catholic Politics And Ethnic Discourse In The Late Colonial Era, Randall Fegley Oct 2018

Book Review: Rwanda Before The Genocide: Catholic Politics And Ethnic Discourse In The Late Colonial Era, Randall Fegley

Genocide Studies and Prevention: An International Journal

No abstract provided.


Book Review: Genocide: A World History, Renato S. Bahia Oct 2018

Book Review: Genocide: A World History, Renato S. Bahia

Genocide Studies and Prevention: An International Journal

No abstract provided.


Enseñando Desobediencia: La Pedagogía Del Cuerpo Y El Libre Desarrollo De La Identidad De Género De Las Estudiantes Transgénero Y Travesti En El Bachillerato Popular Mocha Celis / Teaching Disobedience: Pedagogies Of The Body And Transgender And Tranvestite Students’ Free Development Of Their Gender Identities In Bachillerato Popular Mocha Celis, Joaquín Labio Oct 2018

Enseñando Desobediencia: La Pedagogía Del Cuerpo Y El Libre Desarrollo De La Identidad De Género De Las Estudiantes Transgénero Y Travesti En El Bachillerato Popular Mocha Celis / Teaching Disobedience: Pedagogies Of The Body And Transgender And Tranvestite Students’ Free Development Of Their Gender Identities In Bachillerato Popular Mocha Celis, Joaquín Labio

Independent Study Project (ISP) Collection

Después de años y años de la militancia transgénero, travesti, y transexual, se aprobó la Ley de Identidad de Género en 2012, que reconoce el derecho de todas personas a la identidad de género. Sin embargo, uno de los desafíos más grande a su implementación es la escuela. Desde el nacimiento de la estado-nación argentina, la escuela ha reproducido el binario de género y ha disciplinado los cuerpos de la población transgénero y travesti. Como resultado, seis en cada diez mujeres trans no han completado su secundaria (“Situación de los derechos humanos”, 2016, p. 15). En respuesta, el Bachillerato Popular …


Hablo Por Mi Disidengia / I Speak For My Dissidence, Lars Eddie Oct 2018

Hablo Por Mi Disidengia / I Speak For My Dissidence, Lars Eddie

Independent Study Project (ISP) Collection

Si el proceso de este proyecto tuviera un tema, sería la evolución (¿o tal vez que yo estaba equivocado?). Estaba equivocado acerca de tantas cosas- supuestos que yo había hecho sobre Chile, sobre la gente con la que me reuniría, sobre cómo iría el proyecto. Sobre conceptos básicos en los que originalmente basé mi proyecto. Aprendí cosas que yo no sabía que no sabía.

Hablo por mi disidencia empezó en la intersección de dos de mis intereses, el manifestarse y el arte, y me trajó a través del feminismo, el colonialismo, la academia, las políticas del cuerpo, el clasismo, la …


Perception And Prejudice: Sino-Ghanaian Relations Within The Service Sector And The Wavering Perception Of China On The Global Stage, Jodi-Ann (Juexuan) Wang Oct 2018

Perception And Prejudice: Sino-Ghanaian Relations Within The Service Sector And The Wavering Perception Of China On The Global Stage, Jodi-Ann (Juexuan) Wang

Independent Study Project (ISP) Collection

Opinions on the impacts of China in Africa differ from one observer to the next, be it in media, academic, or elsewhere. While most general discourses have been nuanced and coherent, there is nevertheless a prevailing sentiment of unbridled fear and Sinophobia, or anti-Chinese populism. Based on a two-sided study in Ghana, this research uses Chinese-Ghanaian employment relations as a way of entry to analyze and explore cross-cultural understandings, or lack thereof, that leads to conflict. From there, this paper examines the style of politicized media in broadcasting Sino-Ghanaian (Chinese-Ghanaian) engagements and its role in creating the anti-Chinese populism on …


Kisumu County Hospital Patient Demographic Analysis: Looking Toward Universal Health Coverage, Lauren Scheffey Oct 2018

Kisumu County Hospital Patient Demographic Analysis: Looking Toward Universal Health Coverage, Lauren Scheffey

Independent Study Project (ISP) Collection

Universal health coverage is priority sought after by developed and developing nations alike, and Kenya sits on the list of countries seeking to achieve this goal in the coming years. The definition of “coverage” can vary by country, but three criteria are commonly found in the discussion of UHC globally: access, affordability, and quality. Affordability is determined by the state’s healthcare financing system; quality refers to the services provided by health facilities; and access, at least in part, concerns the geographic placement of health services providers in relation to the population they intend to serve. This geographic element is the …


Pemban Farmer Agency In Adapting To Climate Change, Rachael Hood Oct 2018

Pemban Farmer Agency In Adapting To Climate Change, Rachael Hood

Independent Study Project (ISP) Collection

As a result of climate change, agricultural societies will be challenged by a variety of altered conditions, including increased severe weather events, saltwater intrusion, pest and disease outbreaks, and higher temperatures. The island of Pemba, in the Zanzibar archipelago, is home to many small-scale agriculturalists. During this study, I interviewed Pemban farmers in the districts of Wete and Micheweni about their awareness of the impacts of climate change and the mitigation strategies that they have implemented. The results from Pemba were compared to relevant academic literature regarding climate change to explore whether disparities exist between models of climate change in …


The Influence Of Habitat Preference On Longitudinal Population Composition And Distribution Of Groupers (Serranidae) In Chumbe Island Coral Park, Zanzibar Tanzania, Caroline Daley Oct 2018

The Influence Of Habitat Preference On Longitudinal Population Composition And Distribution Of Groupers (Serranidae) In Chumbe Island Coral Park, Zanzibar Tanzania, Caroline Daley

Independent Study Project (ISP) Collection

A survey of six common grouper (Serranidae) species was conducted on both the western protected and eastern unprotected reefs around Chumbe Island. Species, estimated maturity, and fundamental niche and general habitat preference was extrapolated based on observed realized niche and qualified according to substrate, depth, slope position, and general reef region. Abundance, biomass density, and biodiversity of Serranid populations were compared among locations on the reef with habitat preference in mind in order to best assess how habitat influences population composition, distribution, and health. The results of this study provide depth to previous research on the protected reef and indicate …


Restoring Eden: The Role Of Christianity On Environmental Conservation: A Case Of Karatu District, Arusha, Tanzania, Taylor Allen Oct 2018

Restoring Eden: The Role Of Christianity On Environmental Conservation: A Case Of Karatu District, Arusha, Tanzania, Taylor Allen

Independent Study Project (ISP) Collection

In order for environmental conservation to be effective it must have a method of translating to people’s everyday values. Developing countries which include mostly bio-diversity hotspot areas are important to maintain sustainable development. Due to most of these countries following an organized religion, predominantly Christian, an alternative method of conservation may be successful to motivate citizens to participate in efforts. In order for this to be successful, members of the congregation must agree that there is a religious obligation to care for the environment. For Christianity this obligation is discussed by the creation story in the bible. This paper will …


Andean Condor Nesting And Behavior: A Study Of A Free-Living Pair And Chick As Well As Population Behavior Near Antisana Ecological Reserve, Ecuador, Ian Handler Oct 2018

Andean Condor Nesting And Behavior: A Study Of A Free-Living Pair And Chick As Well As Population Behavior Near Antisana Ecological Reserve, Ecuador, Ian Handler

Independent Study Project (ISP) Collection

The behavior of the Andean condor (Vultur gryphus), especially nest behavior, is little known outside of captivity. More information on chick-parent interactions and parenting dynamics of successful condor pairs is needed in order to help create an effective conservation plan for a species in peril of extinction. Study of nest home used by a free-living pair of condors and home to a five-month old juvenile began on November 11, 2018 and continued through November 29, 2018. The nest is located in Antisanilla Biological Reserve and nearby Antisana Ecological Reserve. The chick was also tagged with numbers and a tracking device …


‘Defensoras De La Selva’: Mujeres Indígenas En Resistencia Al Extractivismo En La Amazonía De Ecuador / 'Defenders Of The Jungle': Indigenous Women In Resistance To Extractivism In The Amazon Ecuador, Tanmatra Bhanti Oct 2018

‘Defensoras De La Selva’: Mujeres Indígenas En Resistencia Al Extractivismo En La Amazonía De Ecuador / 'Defenders Of The Jungle': Indigenous Women In Resistance To Extractivism In The Amazon Ecuador, Tanmatra Bhanti

Independent Study Project (ISP) Collection

En los últimos décadas el movimiento indígena ha sido un potente actor social en contra de los actividades extractivista en la amazonía de Ecuador. Con el crecimiento de empresas petroleras y mineras en territorios indígenas hay una fuerte respuesta de la comunidad indígena en contra los concesiones que el gobierno otorga en nombre de concepto equivocado de desarrollo. Las implicaciones de extractivismo incluye graves daños ambiental, social y cultural. Estos impactos son exacerbados para las mujeres. Las mujeres indígenas siempre estuvieron presente en todos aspectos de esta lucha, y han tenido un papel importante dentro del movimiento. Las mujeres están …


Sueños Del Progreso: La Migración Juvenil Desde Íntag / Dreams Of Progress: Youth Migration From Íntag, Julia Gratton Oct 2018

Sueños Del Progreso: La Migración Juvenil Desde Íntag / Dreams Of Progress: Youth Migration From Íntag, Julia Gratton

Independent Study Project (ISP) Collection

Esta monografía trata de la migración juvenil desde la zona de Íntag en el noroccidente del Ecuador[1]. Documenta las razones por que los jóvenes deciden salir a las ciudades, además de cuáles son las razones principales por las que deciden venir, regresar y quedarse en la Zona. Analiza las expectativas y los resultados con referencia a la teoría de la dependencia y la nueva ruralidad.

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This monograph deals with juvenile migration from the Intag area in northwestern Ecuador [1]. Document the reasons why young people decide to go to the cities, in addition to what are the …


¿Conservar O Consumir? El Impacto De Las Áreas Naturales Protegidas En La Seguridad Y La Soberanía Alimentaria De La Gente Indígena En Madre De Dios, Perú / Conserve Or Consume? The Impact Of Protected Natural Areas On Security And The Food Sovereignty Of Indigenous People In Mother Of God, Peru, Adde Sharp Oct 2018

¿Conservar O Consumir? El Impacto De Las Áreas Naturales Protegidas En La Seguridad Y La Soberanía Alimentaria De La Gente Indígena En Madre De Dios, Perú / Conserve Or Consume? The Impact Of Protected Natural Areas On Security And The Food Sovereignty Of Indigenous People In Mother Of God, Peru, Adde Sharp

Independent Study Project (ISP) Collection

Mediante un enfoque comparativo-etnográfico, este estudio se enfocó en cómo la creación de dos Área Naturales Protegidas (ANPs): el Parque Nacional Bahuaja Sonene (PNBS) y la Reserva Nacional Tambopata (RNTAMB) en la Amazonía peruana han perjudicado el sistema de seguridad y soberanía alimentaria de la comunidad nativa (CN) de Infierno, o la gente del pueblo indígena Ese Eja. El estudio utiliza principalmente entrevistas de miembros de la CN para examinar como era la alimentación tradicional antes de la creación de las dos ANP en los años 1996 y 2000 (respectivamente) en comparación con la situación actual. Los resultados afirman que, …


Macro Implications Of Microplastics: A Comparative Study Of Microplastic Distribution In Bahía Almirante, Bocas Del Toro, Panama, Bonnie Feldberg Oct 2018

Macro Implications Of Microplastics: A Comparative Study Of Microplastic Distribution In Bahía Almirante, Bocas Del Toro, Panama, Bonnie Feldberg

Independent Study Project (ISP) Collection

Plastic is one of the most demanded materials in the modern world as it is durable and long lasting. However, that which makes it so commercially appealing also makes it environmentally degrading. Anthropogenic waste and specifically microplastics have been identified in natural habitats globally, with particular interest placed on marine ecosystems. This research aims to add to this pool by comparing microplastic concentrations in beach, mangrove, and shallow ocean sediment in Bahía Almirante, Bocas del Toro, Panama. Sediment samples were collected from each habitat type, processed, and then analyzed to obtain the number of microplastic particles per gram of dry …


Black Gold In A Changing World: An Examination Of Saudi Arabia’S Dependence On Oil And The Possibility Of A Solar Energy Transition, Sofia Mouritsen Oct 2018

Black Gold In A Changing World: An Examination Of Saudi Arabia’S Dependence On Oil And The Possibility Of A Solar Energy Transition, Sofia Mouritsen

Independent Study Project (ISP) Collection

This paper examines Saudi Arabia’s dependence on oil, considering the profound effects that the resource has on the domestic, socioeconomic, and international affairs of the Kingdom. It is determined, after examining the economic and environmental factors that make it necessary, that Saudi Arabia must reduce its dependence on oil and diversify its economy, ideally by pursing solar energy. This conclusion is reached by considering Saudi Arabia’s domestic challenges, which include unemployment and rising domestic energy demand, as well as factors such as the price volatility of oil and changing global energy trends. A Saudi transition to solar power is determined …


Women’S Divorce Rights In Jordan: Legal Rights And Cultural Challenges, Helen David Oct 2018

Women’S Divorce Rights In Jordan: Legal Rights And Cultural Challenges, Helen David

Independent Study Project (ISP) Collection

This research aims to examine women’s divorce rights in Jordan examining the topic both through their legal rights as well as through the cultural challenges and stigma that divorced women face. The research is focused specifically on the rights of Muslim women, who have to file for divorce through the Shari’a court system, in Jordan that are Jordanian nationals. The literature used in the research provides background insight into Jordan’s tribal system, family law in Jordan, and psychological theories that relate to group therapy and self-efficacy in divorced women. The researcher hypothesizes that despite the many socio-economic and legal reasons …


"Les Droits Ne Sont Pas Respectés": A Study Of The Effectiveness Of The Moroccan Law In Protecting The Human Rights Of Sub-Saharan Female Migrants, Meghan Gragg Oct 2018

"Les Droits Ne Sont Pas Respectés": A Study Of The Effectiveness Of The Moroccan Law In Protecting The Human Rights Of Sub-Saharan Female Migrants, Meghan Gragg

Independent Study Project (ISP) Collection

This paper aims to determine to what extent Moroccan law is protecting female Sub-Saharan migrants against human rights abuses and in the process, it attempts to determine what the Moroccan government needs to do differently to protect this population. Female migrant women from Sub-Saharan Africa are a population that suffers human rights abuses because of their dual positionality as both women and Sub-Saharan migrants: both of which are discriminated populations in Morocco. The research was carried out by communicating with lawyers and non-governmental organization (N.G.O.) team members who work with women to determine the common legal and social problems affecting …


Sustainable Tourism Practices In Vietnam: The Influence Of Institutions And Case Study Of Sapa’S Growing Tourism Industry, Alexandria Cahill Oct 2018

Sustainable Tourism Practices In Vietnam: The Influence Of Institutions And Case Study Of Sapa’S Growing Tourism Industry, Alexandria Cahill

Independent Study Project (ISP) Collection

As tourism becomes increasingly important to Vietnam’s economy, and subsequently the development of the country, it will become ever more critical to examine the impact of tourism, including both the positive and negative consequences. The intention of this paper is to continue the analysis of the tourism industry in Vietnam; in particular, this paper considers sustainable tourism, which can be defined as minimizing impact on local culture and environment while simultaneously resulting in economic gains and employment, all while operating in a way that can be continued in the future. As Vietnam is rich in diverse cultures and natural landscapes, …


Productivity, Competition, And Empowerment? The Experience Of Pondicherry Fisherwomen In The Context Of Neoliberal Development, Amelia Colliver Oct 2018

Productivity, Competition, And Empowerment? The Experience Of Pondicherry Fisherwomen In The Context Of Neoliberal Development, Amelia Colliver

Independent Study Project (ISP) Collection

The subject of this study is female fisherwomen from the fishing village of Veerampattinam in Tamil Nadu who have experienced impacts of neoliberal economics in India. Neoliberalism is here defined as a political economic movement that determines the viability of both an individual and a government based on its economic productivity. Populations reliant on traditional livelihoods are not as efficient as mechanized sectors of their industry, and therefore they are often separated from easy access to their livelihoods by neoliberal policies. This is especially true for women, who are frequently left behind in neoliberalism because their work is considered less …


Rebuilding Tunisia, One Artist At A Time, Caitlin Kelley Oct 2018

Rebuilding Tunisia, One Artist At A Time, Caitlin Kelley

Independent Study Project (ISP) Collection

This paper argues that Tunisia’s engaged artists are playing a key role in the development of Tunisian civil society and democracy. The bulk of the research is in the form of interviews with five Tunisian artists. Each artist is actively engaged in the project of building a stronger, more democratic society. Through their art, they exercise and protect the political rights won in the 2011 revolution. These artists resist censorship, powerfully and loudly exercise their right to free speech, and help Tunisian society envision a better future for itself. The five artists interviewed for this research represent the type of …


The War Against Sex Trafficking: Who Is Fighting?, Elizabeth Dicus Oct 2018

The War Against Sex Trafficking: Who Is Fighting?, Elizabeth Dicus

Independent Study Project (ISP) Collection

This paper analyzes and relays information collected from a series of interviews with anti-trafficking organizations in Nepal. The organizations included are Child Workers in Nepal (CWIN), Maiti-Nepal, Saathi Nepal, Tiny Hands Nepal, and Women’s Rehabilitation Centre Nepal (WOREC). Each organization approaches the fight against sex trafficking differently. This paper breaks down the methods of addressing sex trafficking into three main categories: prevention, rescue, and rehabilitation. In addition to this, other articles and resources on this topic are explored to explain the enablers of sex trafficking in Nepal. A cross-analysis is conducted between the various anti-trafficking methods used by organizations within …


What Does It Mean To Respect One’S Mother? A Narrative Approach Exploring Maternal Respect Through The Perspectives Of Zulu Mothers And Their Children, Sarah Robertson Oct 2018

What Does It Mean To Respect One’S Mother? A Narrative Approach Exploring Maternal Respect Through The Perspectives Of Zulu Mothers And Their Children, Sarah Robertson

Independent Study Project (ISP) Collection

This paper attempts to synthesize both background research and interview content on respect, specifically respect for mothers from their children in Cato Manor. Cato Manor is populated with largely single-mother, matriarchal households of Zulu identifying people.

I conducted eight interviews with four mothers and their children, with the “children” ranging in age from 19 to 29. I requested that my participants share as many stories with me as possible in order to help me write my findings in a narrative approach. I asked about a variety of topics, including what respect is in general, what it means to respect one’s …


Sufis In A 'Foreign' Zawiya: Moroccan Perceptions Of The Tijani Pilgrimage To Fes, Joel Green Oct 2018

Sufis In A 'Foreign' Zawiya: Moroccan Perceptions Of The Tijani Pilgrimage To Fes, Joel Green

Independent Study Project (ISP) Collection

The purpose of this ISP is to investigate Moroccan perceptions of sub-Saharan members of the Tijaniyya during the completion of their religious pilgrimage to Fes. The relationship between Moroccans andTijani pilgrims is particularly complex as it occurs at an intersection of various identities, most prominently including race, religion, class and nationality. This project focuses on Moroccans who work in the area surrounding the shrine of Ahmed al-Tijani and either market their business towards Tijani pilgrims or frequently serve Tijani pilgrims as customers. In the course of interviews with five Moroccans, three major themes emerged: 1. Condemnation of Tijani religious practice. …


Examinando La Relación Entre El Ecoturismo Y La Migración En La Nevería, Pueblos Mancomunados, Oaxaca / Examining The Relationship Between Ecotourism And Migration In La Nevería, Pueblos Mancomunados, Oaxaca, Thomas Canny Oct 2018

Examinando La Relación Entre El Ecoturismo Y La Migración En La Nevería, Pueblos Mancomunados, Oaxaca / Examining The Relationship Between Ecotourism And Migration In La Nevería, Pueblos Mancomunados, Oaxaca, Thomas Canny

Independent Study Project (ISP) Collection

Los proyectos ecoturísticos en los Pueblos Mancomunados de la Sierra Norte de Oaxaca son un ejemplo de organización comunitaria para disminuir la emigración y mejorar la calidad de vida. Esta investigación intenta de analizar los cambios en el fenómeno migratorio del pequeño pueblo de La Nevería por medio de entrevistas personales con pobladores, y trazando la historia del proyecto ecoturístico que han implementado en su comunidad.

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The ecotourism projects in the Mancomunados Towns of the Sierra Norte de Oaxaca are an example of community organization to reduce emigration and improve the quality of life. This research tries to analyze …


Renegado: Immigrant Identities And Aspirations Of White Muslim Converts In Morocco, Paul Williamson Kiefer Oct 2018

Renegado: Immigrant Identities And Aspirations Of White Muslim Converts In Morocco, Paul Williamson Kiefer

Independent Study Project (ISP) Collection

If one turns over enough stones in Morocco, they will come across hundreds of Western converts to Islam, most of whom are white. Some are obvious: one might spot a blue-eyed Belgian wearing a jellaba on a train to Fes or a Danish woman in a hijab running a bakery in central Casablanca. Others might be mistaken for tourists, like an American woman with her hair pulled back into a ponytail seated in the corner of a high-end café in Rabat. These converts are immigrants, and most chose to live in Morocco as a form of hijra, or migration for …


(Wp 2018-05) Specialization, Fragmentation, And Pluralism In Economics, John B. Davis Oct 2018

(Wp 2018-05) Specialization, Fragmentation, And Pluralism In Economics, John B. Davis

Economics Working Papers

This paper investigates whether specialization in research is causing economics to become an increasingly fragmented and diverse discipline with a continually rising number of niche-based research programs and a declining role for dominant cross-science research programs. It opens by framing the issue in terms of centrifugal and centripetal forces operating on research in economics, and then distinguishes descriptive from normative pluralism. It reviews recent research regarding the JEL code and the economics’ J. B. Clark Award that points towards rising specialization and fragmentation of research in economics. It then reviews five related arguments that might explain increasing specialization and fragmentation …


Investigating Predictors Of True And False Guilty Pleas, Kelsey S. Henderson, Lora M. Levett Oct 2018

Investigating Predictors Of True And False Guilty Pleas, Kelsey S. Henderson, Lora M. Levett

Criminology and Criminal Justice Faculty Publications and Presentations

An estimated 90% to 95% of convictions are obtained via guilty pleas, and roughly 11% of individuals exonerated with the help of the Innocence Project falsely pleaded guilty (innocenceproject.org). Despite the prevalence of guilty pleas (and the existence of false guilty pleas), relatively little scholarship has examined what influences a defendant to plead guilty (Redlich, 2010). In this study, we investigated factors that affected whether guilty and innocent students who were accused of cheating pleaded guilty or took their case before the Student Conduct Committee in a hearing (analogous to a trial). Using social psychological literature on social influence (Cialdini …


The Securities Law Implications Of Financial Illiteracy, Lisa Fairfax Oct 2018

The Securities Law Implications Of Financial Illiteracy, Lisa Fairfax

All Faculty Scholarship

Every financial literacy study conducted over the last few decades concurs: Americans, including American investors, are financially illiterate. This Article argues that America’s financial illiteracy poses a significant, widespread, and long-term challenge for our federal securities regime because that regime is premised almost entirely on disclosure as the best form of investor protection and, by extension, on investors’ ability to understand disclosure. By advancing a typology of investors and their disclosure needs, this Article further argues that we may have significantly underestimated the extent of the financial illiteracy problem based on at least two flawed assumptions. First, we have presumed …