SLIDE 4 ➙➺➛✪✉✟➝➟➞ ▼P❙✁✥ ✉ ⑥✴Ö✗❖ ✉ ❋❛◗✪⑤✟①✲❖P① → ❨✶❝ ❬P❝ ❪❳⑩❩❴✐❿✶❝ ♠❳❴✺❨✺❞✜❴❳❾✮❞❜❪✺❤②➠☎qr❨ ➯ ❬✑❡❥❬☛❪❦❤ ❬ ↕②❴✐❡☛❬☛❪✶♦❦⑩ ❴➡❿❦❪✺❤✸❝ ❪❩♦❦⑩ ❴✐❡✌➀❁❷✦❤ ❴✜❴❦❨❦➆✐❶❻➃❘♦✺❤ q✦➁P❴❦❨✶❶r❡Pq✪❼✶❫✚❝ ❬❊➅✗❿❳❪✺❤❁❝ ❪✶♦❳⑩ ❴✜❡✌➀✸q❳❤✾❪❳❨❜❷❳❴✺➆ ✂ ❝ ♠❳♠✶❴✺❨✎❿❳❪✺❤❁❝ ❪✶♦❳⑩ ❴✜❡✌➀❁❷✦❤ ❪✐❲❳➆❻❴✺❨❭❡✜♣✶❤ ❴✌❡❭⑨❜❪❦❤ ❡P❴➡❡☛❬❘❤❁♣✺❞✐❬❘♣✶❤ ❴❳❶②❤ ❴❭♠r♣✺❞✜❴♥⑨✺❪✺❤ ❪✶❵❛❴✐❬❥❴✺❤ ❡
lights no oil no gas starter broken battery age alternator broken fanbelt broken battery dead no charging battery flat gas gauge fuel line blocked
battery meter car won’t start dipstick
✼❁✽ ✿P✼❁❀ ❂❊❃ ❄ ❅ ❆ ❇ ❂ ❈✸❉ ❋
❍ ■✴❉ ❀ ➙➜➛✝✉✟➝➟➞ ▼☛❙✁✥ ✉ ⑥ ❖P◗✪①②❑✝⑥ ✉ ◗✪Õ✰❙
SocioEcon Age GoodStudent ExtraCar Mileage VehicleYear RiskAversion SeniorTrain DrivingSkill MakeModel DrivingHist DrivQuality Antilock Airbag CarValue HomeBase AntiTheft Theft OwnDamage PropertyCost LiabilityCost MedicalCost Cushioning Ruggedness Accident OtherCost OwnCost
✼❁✽ ✿P✼❁❀ ❂❊❃ ❄ ❅ ❆ ❇ ❂ ❈✸❉ ❋
❍ ■s❀ ❅ ➚⑤ ➝➟➞✗✉ Õ❺▲sÕ✰⑤➡◗✝Ö♥❖❊▲❺❖☛⑤❛◗ ✉ ▼➵Ö♥❖P①r▲②⑥❺❖✵✪♥❑✎▲◆❖P⑤❛◗✝① ↔✰❢✲↕➚❷r❤ q✜➠❻❡✟❴❘❫r⑨✺qr❨❜❴❦❨❭❬❘❝ ❪❳⑩ ⑩ ❲✪➠❛❝ ❬❘❸➇❨✺qr➽✡q✺❹✑⑨❜❪❦❤ ❴❦❨❭❬❊❡ ↔✰❢✲↕✔♦✺❴✜❞❭qr❵❛❴✐❡✌❝ ❨❭❼②❨❳❝ ❬❥❴❛➠❛❝ ❬❘❸✪❞❭q❩❨❜❬❘❝ ❨✶♣❜qr♣❭❡☎✄❁❿❦❪✶⑩ ♣✺❴✜♠➪⑨❜❪❦❤ ❴❦❨❭❬✑q✶❤❺❞❦❸❳❝ ⑩ ♠ ❯❩qr⑩ ♣❜❬❘❝ qr❨✶❾ ❞❭❪❳❨✺q❩❨✶❝ ❞❜❪❳⑩ ♠r❝ ❡❥❬❘❤✸❝ ♦❳♣❭❬❘❝ q❩❨❜❡✟❬❘❸✺❪❜❬➣❪✺❤ ❴✌♠✶❴✐❼✲❨✺❴✜♠➇❞✜q✦❵✎⑨✺❪❜❞✐❬❘⑩ ❲ ✂ ❴✐❬❥❴✺❤❊❵✌❝ ❨❳❝ ❡☛❬❘❝ ❞ ❨❜q✶♠✶❴✐❡➡❪✺❤ ❴✌❬❘❸❜❴✌❡✐❝ ❵✎⑨❳⑩ ❴✜❡☛❬✑❞❜❪❭❡P❴❦❾ ➊ ✟ ✠✰➉❁➍✝➎❩➏❩➐❭➑❺➒❘➓✶➉ ➊ ➔☛➔ ❹ q✶❤❺❡☛q✦❵✟❴✌❹❊♣❳❨✺❞✐❬❘❝ q❩❨ ✠ ✝ ➽ ❷✡➽ ❶P✁◆q❩q❩⑩ ❴❭❪❳❨✝❹❊♣✶❨❜❞✐❬❘❝ qr❨❭❡ ✆ ➦ ➏❳➒❘➤ ❒ ❮➺➐❭➏❦➫❥➧❭➎❩➑ ❃ ➨ ➎❩➑✬➎✞✝❩➫❥➎❩➑✠✟☛✡✌☞☛✟ Ï ➐✎✍②➫❥➧✜➎r➑ ✝ ➽ ❷✡➽ ❶✲❨✶♣✶❵❛❴✺❤❁❝ ❞❭❪✶⑩✡❤ ❴✺⑩ ❪❭❬❘❝ qr❨❭❡✜❸✶❝ ⑨❭❡❛❪❩❵✟q❩❨❜❷➇❞✜q❩❨❜❬❘❝ ❨✶♣❜qr♣❭❡➣❿❦❪❦❤❁❝ ❪✶♦❳⑩ ❴✜❡ ✏✒✑ ➐❜➩✦➐✺➮ ✏ ➒ ✟ ❝ ❨❜➄rq❭➠ ❉ ⑨✺❤ ❴❭❞✺❝ ⑨❦❝ ❬☛❪❭❬❘❝ q❩❨✓✄❻q❩♣❜❬❊➄rq❭➠✔✄❻❴❘❿❦❪❩⑨✺q✶❤ ❪❭❬❘❝ q❩❨ ✼❁✽ ✿P✼❁❀ ❂❊❃ ❄ ❅ ❆ ❇ ❂ ❈✸❉ ❋
❍ ■s❀ ❉ ★⑤ ➝➟➞✗✉ Õ✬▲sÕ✰⑤❛◗✪Ö✗❖❥▲◆❖P⑤❛◗ ✉ ▼✤Ö♥❖☛①✦▲②⑥❺❖✵✪♥❑✌▲❺❖☛⑤❛◗✪①ÒÕ✰⑤➡◗✟▲②Ö➵× Ð qr❝ ❡❊❲✕✄✗✖✙✘ ♠r❝ ❡☛❬❘❤❁❝ ♦❦♣❜❬❘❝ qr❨❭❡✪❵✟q✶♠✶❴✺⑩✲❵✎♣❳⑩ ❬❘❝ ⑨❳⑩ ❴♥❨✺q❩❨✶❝ ❨❜❬❥❴✺❤✾❪❜❞✐❬❘❝ ❨❭❷✚❞❭❪❳♣❜❡☛❴✜❡
❴❦❨❭❬❊❡ ✡✌✭ ✰✔✰✔✰✚✡ ☎ ❝ ❨✺❞✺⑩ ♣❜♠✶❴✎❪✶⑩ ⑩❩❞❜❪❳♣❭❡P❴✜❡➡➀✸❞❜❪❳❨✪❪❜♠✶♠ ⑩ ❴❜❪✶➁✝❨✺q✶♠❳❴ ➆ ❍ ➆ → ❨✺♠❳❴❳⑨✺❴❦❨❜♠✶❴✺❨❭❬✑❹❁❪❳❝ ⑩ ♣✶❤ ❴♥⑨✺❤ q✦♦❜❪❩♦❦❝ ⑩ ❝ ❬✾❲ ✃❭➋ ❹✾q✶❤❺❴❜❪❜❞✺❸✪❞❭❪❳♣❜❡P❴✎❪❳⑩ q❩❨✺❴ ✛ ➍➇➉ ➊✈➌ ✡✌✭ ✰✔✰✔✰✚✡✢✜✔✮✣✻✣✡✤✜☎✥P✭ ✰✔✰✔✰✣✻✦✡ ☎ ➔✙✟ ☛✌☞ ✳ ✜ ➋✵✴✌✭ ✃❭➋ ➨ ➦ ➮✧✝ ★✪➮ ➷ Ï ➎✦➮✾➎r➏❦➫❥➎ ➍➇➉✧★✗➐❭➩✡➐❭➏✶➔ ➍➇➉✿✻✣★✪➐❭➩✡➐❭➏✶➔ ✕ ✕ ✕ ✩✢✪ ✩ ☛ ✰ ✢ ✕ ✕ ↕ ✢ ✰ ✫ ✩✢✪✧✬ ✕ ↕ ✕ ✢ ✰ ✭ ✩✢✪ ✮ ✕ ↕ ↕ ✢ ✰ ✫✯✭ ✢ ✰ ✢ ✄ ✟ ✢ ✰ ✄✱✰ ✢ ✰ ☛ ↕ ✕ ✕ ✢ ✰ ✚ ✩✢✪ ✲ ↕ ✕ ↕ ✢ ✰ ✫ ✚ ✢ ✰ ✢✯✳ ✟ ✢ ✰ ✳ ✰ ✢ ✰ ☛ ↕ ↕ ✕ ✢ ✰ ✭✯✭ ✢ ✰ ☛ ✄ ✟ ✢ ✰ ✳ ✰ ✢ ✰ ✄ ↕ ↕ ↕ ✢ ✰ ✫✯✭✯✭ ✢ ✰ ✢ ☛ ✄ ✟ ✢ ✰ ✳ ✰ ✢ ✰ ✄✱✰ ✢ ✰ ☛ Ð ♣❩❵✎♦❦❴✺❤✬q❦❹✑⑨❜❪❦❤ ❪✶❵❛❴✐❬❥❴✺❤ ❡ ✴✧✵✧✶✤✷✹✸✻✺ ❝ ❨➇❨✶♣✶❵✝♦✺❴✺❤✰q✺❹✑⑨✺❪✺❤ ❴❦❨❭❬❊❡ ✼❁✽ ✿P✼❁❀ ❂❊❃ ❄ ❅ ❆ ❇ ❂ ❈✸❉ ❋
❍ ■s❀ ❀ ✼ ✇ ✪✗⑥◆❖PÖ✾✽✺Ö♥❖☛①✲Õ✰⑥◆❙✬▲②❙✦✿✴Õ✰⑤❛◗❛▲◆❖P◗✎❑✝⑤➡❑✝①❁❀✢◗✪❙✬▲r④✢⑤✟⑥②⑦✎① ✂ ❝ ❡P❞❦❤ ❴✐❬❥❴✗➀ ☞ ➷ ✼❭➓❭➫☎✝✶➭❃❂ ❪❳❨✺♠ ➴✪➷ ➭✲➓✕❂ ➆❅❄✦❞✜qr❨❜❬P❝ ❨✶♣❜qr♣❭❡✌➀ ❆ ➎r➏❦➩✡➐❦➓❭➒ ❪❳❨✺♠ ➨ ➦ ➓✜➒ ➆
Buys? Harvest Subsidy? Cost
✖➡⑨✜❬❘❝ q❩❨
❡☛❞❦❤ ❴✜❬❘❝ ❧❜❪❭❬❘❝ qr❨✚❇✔⑨❦q✺❡☛❡✜❝ ♦❳⑩ ❲✤⑩ ❪❦❤ ❷✶❴✌❴✺❤✸❤ q✶❤ ❡✜❶②⑩ ❪✺❤ ❷❳❴✝↔✮❢✲↕✮❡ ✖➡⑨✜❬❘❝ q❩❨ ❍ ❾✮❼✲❨❳❝ ❬❥❴✺⑩ ❲➵⑨❜❪✺❤✾❪✶❵✟❴✜❬❥❴✺❤✸❝ ❧❭❴✜♠➇❞❭❪✶❨❜qr❨❳❝ ❞❭❪❳⑩✶❹❁❪✶❵✌❝ ⑩ ❝ ❴✐❡
❨❳♣✺q❩♣❜❡✑❿❳❪✺❤❁❝ ❪✶♦❳⑩ ❴❳❶✦♠✦❝ ❡P❞✺❤ ❴✐❬❥❴✔❉➡❞✜qr❨❭❬❘❝ ❨❳♣✺q❩♣❜❡✝⑨❜❪❦❤ ❴❦❨❭❬❊❡✌➀✸❴❦➽ ❷✡➽ ❶ ➨ ➦ ➓✜➒ ➆ ❍ ➆ ✂ ❝ ❡P❞✺❤ ❴✐❬❥❴➡❿❦❪❦❤❁❝ ❪✶♦❦⑩ ❴❦❶✦❞❭q❩❨❜❬❘❝ ❨✶♣❜qr♣❭❡✝⑨❜❪❦❤ ❴❦❨❭❬❊❡✌➀✸❴❦➽ ❷✡➽ ❶ ➴✪➷ ➭✡➓❈❂ ➆ ✼❁✽ ✿P✼❁❀ ❂❊❃ ❄ ❅ ❆ ❇ ❂ ❈✸❉ ❋
❍ ■s❀ ■ ★⑤❛◗❛▲◆❖P◗✎❑✝⑤➡❑✝①✔Õ❁❉✗❖P▼PÖ❈❇ ✉ ⑥◆❖ ✉ ✪♥▼P❙✮① Ð ❴❭❴✜♠ qr❨❜❴ ❞✜qr❨❜♠✦❝ ❬P❝ qr❨✺❪❳⑩☎♠✶❴✺❨❜❡✜❝ ❬✾❲ ❹❊♣❳❨✺❞✐❬❘❝ q❩❨➜❹✾q✶❤✌❞✺❸❳❝ ⑩ ♠✂❿❳❪✺❤❁❝ ❪✶♦❳⑩ ❴➸❷✦❝ ❿✺❴✺❨➜❞❭q❩❨❜❬❘❝ ❨✶♣❜qr♣❭❡ ⑨❜❪✺❤ ❴✺❨❜❬❊❡✜❶r❹✾q✶❤❺❴❜❪❜❞✺❸✚⑨✺q❦❡❥❡✜❝ ♦❦⑩ ❴✝❪❭❡☛❡✜❝ ❷✦❨✶❵❛❴✺❨❜❬❻❬❥q♥♠r❝ ❡P❞✺❤ ❴✐❬❥❴♥⑨❜❪❦❤ ❴✺❨❜❬❊❡ ➼ q✺❡☛❬➣❞✜q✦❵✎❵✟qr❨♥❝ ❡➣❬❘❸✺❴ ⑩ ❝ ❨❜❴❜❪✺❤ ✬ ❪✶♣❭❡☛❡✜❝ ❪❳❨ ❵✟q❩♠❳❴✺⑩ ❶✦❴❳➽ ❷✦➽ ❶ ❾ ➍➇➉ ➨ ➦ ➓✜➒✂✟➺➧❩➌ ❆ ➎❩➏❦➩✡➐❦➓❭➒ ✟✂➤ ✮❊☞ ➷ ✼❜➓✜➫☎✝❩➭❃❂ ✟➪➒❥➏ ➷ ➐✺➔ ✟❋✆ ➉❁➎❍●❁➤ ✖ ✼■●◆✮❅❏❑●❁➔❘➉✾➧❜➔ ✟ ☛ ❏❃●▼▲ ✄❈◆ ➐✎✍ ✞P❖◗ ◗ ◗❘ ☞ ☛ ✄ ❖◗ ◗ ❘ ➧ ☞ ➉❁➎❍●❁➤ ✖ ✼■●❁➔ ❏❑● ❙ ❚ ❚ ❯ ❱ ❙ ❚ ❚ ❚ ❯ ➼ ❴❭❪❳❨ ➨ ➦ ➓❭➒ ❿❦❪❦❤❁❝ ❴✐❡✌⑩ ❝ ❨✺❴❭❪✺❤✸⑩ ❲✎➠❛❝ ❬❘❸ ❆ ➎r➏❦➩✡➐❦➓❭➒ ❶✶❿❳❪✺❤✸❝ ❪❳❨✺❞✜❴✗❝ ❡➣❼✶❫❦❴✜♠ ❂ ❝ ❨❜❴❜❪✺❤②❿❳❪✺❤❁❝ ❪❭❬❘❝ q❩❨➇❝ ❡✌♣❳❨✶❤ ❴❜❪❭❡Pq❩❨❦❪✶♦❦⑩ ❴✌q✺❿✺❴❦❤❺❬❘❸❜❴✌❹❊♣❳⑩ ⑩✡❤ ❪✶❨❭❷✶❴ ♦❦♣❜❬☎➠☎q✶❤❊➁❘❡❲✖❨❳➚❝ ❹❺❬❘❸✺❴ ✴❩✵❩❬❭✷❑✴ ❪ ❤ ❪✶❨❭❷✶❴✌q❦❹ ❆ ➎r➏❦➩✡➐❦➓❭➒ ❝ ❡➡❨❦❪✺❤✸❤ q❭➠ ✼❁✽ ✿P✼❁❀ ❂❊❃ ❄ ❅ ❆ ❇ ❂ ❈✸❉ ❋
❍ ■s❀ ❋