This paper investigates the extent to which institutional investors may have influenced independent real estate appraisals during the financial crisis. A conceptual model of the determinants of client influence on real estate appraisals is proposed. It is suggested that the extent of clients’ ability and willingness to bias appraisal outputs is contingent upon market and regulatory environments, the salience of the appraisal to the client, financial incentives for the appraiser to respond to client pressure, organisational culture, the level of moral (...) reasoning of both individual clients and appraisers, client knowledge and the degree of appraisal uncertainty. The potential of client influence to bias ostensibly independent real estate appraisals is examined using the opportunity afforded by the market downturn commencing in 2007 in the UK. During the market turbulence at the end of 2007, the motivations of different types of owners to bias appraisals diverged clearly and temporarily provided a unique opportunity to assess potential appraisal bias. We use appraisal-based performance data for individual real estate assets to test whether there were significant ownership effects on performance during this period. The results support the hypothesis that real estate appraisals in this period reflected the differing needs of clients. (shrink)

The placozoan Trichoplax adhaerens is a tiny hairy plate and more simply organized than any other living metazoan. After its original description by F.E. Schulze in 1883, it attracted attention as a potential model for the ancestral state of metazoan organization, the “Urmetazoon”. Trichoplax lacks any kind of symmetry, organs, nerve cells, muscle cells, basal lamina, and extracellular matrix. Furthermore, the placozoan genome is the smallest (not secondarily reduced) genome of all metazoan genomes. It harbors a remarkably rich diversity of (...) genes and has been considered the best living surrogate for a metazoan ancestor genome. The phylum Placozoa presently harbors three formally described species, while several dozen “cryptic” species are yet awaiting their description. The phylogenetic position of placozoans has recently become a contested arena for modern phylogenetic analyses and view‐driven claims. Trichoplax offers unique prospects for understanding the minimal requirements of metazoan animal organization and their corresponding malfunctions. (shrink)

This work is a controversial collection of interrelated papers investigating and arguing about issues of concern to lawyers and politicians today. MacCormick combines a scholarly concern with leading thinkers such as John Locke, Lord Stair, Adam Smith and David Hume, John Rawls, Ronald Dworkin, and Patrick Atiyah, and stringently argued view of questions of political obligation, civil liberty, and legal rights.

The Fine-Tuning Argument (FTA) is a variant of the Design Argument for the existence of God. In this paper the evidence of fine-tuning is explained and the Fine-Tuning Design Argument for God is presented. Then two objections are covered. The first objection is that fine-tuning can be explained in terms of the existence of multiple universes (the 'multiverse') plus the operation of the anthropic principle. The second objection is the 'normalizability problem'– the objection that the Fine-Tuning Argument fails because fine-tuning (...) is not actually improbable. (shrink)

The discovery that the universe is fine-tuned for life ? a discovery to which the phrase ?the anthropic principle? is often applied ? has prompted much extra-cosmic speculation by philosophers, theologians, and theoretical physicists. Such speculation is referred to as extra-cosmic because an inference is made to the existence either of one unobservable entity that is distinct from the cosmos and any of its parts (God) or of many such entities (multiple universes). In this article a case is mounted for (...) the sceptical position that cosmic fine-tuning does not support an inference to anything extra-cosmic. To that end three definitions of ?fine-tuned for life? are proposed: the ?slight difference? definition, the (unconditional) probability definition, and John Leslie?s conditional probability definition. These three definitions are the only ones suggested by the relevant literature on fine-tuning and the anthropic principle. Since on none of them do claims of fine-tuning warrant an inference to something extracosmic, it is concluded that there is no definition of ?fine-tuned for life? serving this function. (shrink)

Focusing on the new theories of human motivation that emerged during the transition from feudalism to the modern period, this is the first book of new essays on the relationship between politics and the passions from Machiavelli to Bentham. Contributors address the crisis of moral and philosophical discourse in the early modern period; the necessity of inventing a new way of describing the relation between reflection and action, and private and public selves; the disciplinary regulation of the body; and the (...) ideological constitution of identity. The collection as a whole asks whether a discourse of the passions might provide a critical perspective on the politics of subjectivity. Whatever their specific approach to the question of ideology, all the essays reconsider the legacy of the passions in modern political theory and the importance of the history of politics and the passions for modern political debates. Contributors, in addition to the editors, are Nancy Armstrong, Judith Butler, Riccardo Caporali, Howard Caygill, Patrick Coleman, Frances Ferguson, John Guillory, Timothy Hampton, John P. McCormick, and Leonard Tennenhouse. (shrink)

In the broadest sense, natural theology is the effort to gain knowledge of God from non-revealed sources – that is, from sources other than scripture and religious experience – but there is also a much narrower sense of natural theology: the construction of arguments for the existence of God from empirical evidence. This narrower sense is most strongly associated with the argument for God's existence from the appearance that the natural world has been constructed for a purpose. This argument is (...) referred to as ‘the Design Argument’. This chapter addresses a generic theological question confounding the Design Argument. Why would God design or create anything at all, much less a world like this one? Let us call this question ‘Why design?’. It is shown that answering WD entangles proponents of the Design Argument in age-old debates about divine freedom, divine moral perfection, and divine rationality. Despite the pretensions of some of its proponents, the Design Argument is not and never has been ‘strictly scientific’. (shrink)

Strong conventionalism goes wrong well before cases of transfiguration even arise. Assuming it is a “rock-bottom” form of conventionalism, it cannot deliver on its promise to resolve the classic transporter case. In the classic transporter case, the transported individual is not specified as being a member of any person-determining community, and so there is no fact of the matter whether the transported individual survives.

A growth in consumer and media ethical consciousness has resulted in the need for organizations to ensure that members understand, share and project an approved and unified set of ethics. Thus understanding which variables are related to sharing and variation of ethical reasoning and moral intent, and the relative strength of these variables is critical. While past research has examined individual (attitudes, values, etc.), social (peers, significant others, etc.) and organizational (codes of conduct, senior management, etc.) variables, it has focused (...) on their influence on the individual – and not on their role in relation to patterns of group sharing and variation in an organization. Introduced as a new methodology to study ethics, microcultural analysis stipulates that to explain patterns of sharing and variation, one must understand how individual, social and organizational variables influence sharing and variation. Key hypotheses predict that managers who share in individual, social or organizational determinants will be more likely to share in ethical reasoning and moral intent. Qualitative and quantitative research supports the key hypotheses, finding social ties, personal moral intensity, Machiavellianism, locus of control and codes of ethics as significant determinants. Individuals who share in these determinants are more likely to share in ethical reasoning and moral intent. Additionally, regression analysis reveals social ties and personal moral intensity to be the strongest determinants. Based on these results, managerial recommendations focus on a holistic approach, manipulating these three determinants to cultivate a unified code of ethics within an organization. (shrink)

Cognitive Science is a single-source undergraduate text that broadly surveys the theories and empirical results of cognitive science within a consistent computational perspective. In addition to covering the individual contributions of psychology, philosophy, linguistics, and artificial intelligence to cognitive science, the book has been revised to introduce the connectionist approach as well as the classical symbolic approach and adds a new chapter on cognitively related advances in neuroscience. Cognitive science is a rapidly evolving field that is characterized by considerable contention (...) among different views and approaches. Cognitive Science presents these in a relatively neutral manner. It covers many new orientations theories and findings, embedding them in an integrated computational perspective and establishing a sense of continuity and contrast with more traditional work in cognitive science. The text assumes no prerequisite knowledge, introducing all topics in a uniform, accessible style. Many topics, such as natural language processing and vision, however, are developed in considerable depth, which allows the book to be used with more advanced undergraduates or even in beginning graduate settings. A Bradford Book. (shrink)

Despite an extensive amount of research studying the influence of significant others on an individual's ethical behavior, researchers have not examined this variable in the context of organizational group boundaries. This study tests actual and perceptual sharing and variation in ethical reasoning and moral intent within and across functional groups in an organization. Integrating theory on ethical behavior, group dynamics, and culture, it is proposed that organizational structure affects cognitive structure. Departmental boundaries create stronger social ties within the group as (...) well as intergroup biases between the groups. Thus individuals will be more likely to share in ethical reasoning and moral intent with members of their own functional group (in-group) than with members of other functional groups (out-group). Additionally, they will perceive that they are more likely to share in ethical reasoning and moral intent with in-group members than with out-group members. Responding to two versions of two ethical scenarios, respondents contrasted their own ethical behavior to their expected ethical behavior of in-group and out-group members. Empirical results confirmed the hypotheses. Organizational group boundaries create actual as well as perceptual sharing and variation in ethical reasoning and moral intent. Furthermore, when comparing perceptual sharing to actual sharing, results show that individuals understate their sharing of ethical reasoning and moral intent with out-group members and overstate their sharing with in-group members. As organizational boundaries can create actual and perceived differences between groups that could lead to inter-group conflict, suggestions for management focus on removing or blurring inter-group boundaries. (shrink)

The conflict between agency and stakeholder theories of the firm has long been entrenched in organizational and management literature. At the core of this debate are two competing views of the firm in which assumptions and process contrast each other so sharply that agency and stakeholder views of the firm are often described as polar opposites. The purpose of this paper is to show how agency theory can be subsumed within a general stakeholder model of the firm. By analytically deconstructing (...) the assumptions of agency theory, it is argued that agency theory: (1) must include a recognition of stakeholders; (2) requires a moral minimum to be upheld, which places four moral principles above the interests of any stakeholders, including shareholders; (3) consists of contradictory assumptions about human nature and which give rise to the equally valid assumptions of trust, honesty and loyalty to be infused into the agency relationship. In this way, stakeholder theory is argued to be the logical conclusion of agency theory. Empirical hypotheses are presented as a means to substantiate this claim. (shrink)

Recent discoveries in physics, cosmology and biochemistry have captured the public imagination and made the Design Argument - the theory that God created the world according to a specific plan - the object of renewed scientific and philosophical interest. This accessible but serious introduction to the design problem brings together new perspectives from prominent scientists and philosophers including Paul Davies, Richard Swinburne, Sir Martin Rees, Michael Behe, Elliot Sober and Peter van Inwagen.

In part one, I identify the core logical structure of the precautionary principle and distinguish it from the various key concepts that appear in the many different formulations of the principle. I survey these concepts and suggest a program of further conceptual analysis. In part two, I examine a particular version of the precautionary principle dubbed “the catastrophe principle” and criticize it in light of its similarities to the principle at work in Pascal’s Wager. I conclude with some suggestions for (...) advocates of the precautionary principle who wish their formulation to avoid the pitfalls confronting the catastrophe principle. (shrink)

When it is suggested that the fine‐tuning of the universe for life provides evidence for a cosmic designer, the multiple‐universe hypothesis is often presented as an alternative. Some philosophers object that the multiple‐universe hypothesis fails to explain why this universe is fine‐tuned for life. We suggest the “This Universe” objection is no better than the “This Planet” objection. We also fault proponents of the “This Universe” objection for presupposing that we could not have existed in any other universe and that (...) the values of the free parameters of the Universe could have been different. Lastly, we reflect on why fine‐tuning for life needs explaining. (shrink)

The multiverse hypothesis is one of the leading proposed explanations of cosmic fine-tuning for life. One common objection to the multiverse hypothesis is that, even if it were true, it would not explain why this universe, our universe, is fine-tuned for life. To think it would so explain is allegedly to commit “the inverse gambler's fallacy.” This paper presents what the inverse gambler's fallacy is supposed to be, then surveys the discussion of it in the philosophical literature of the last (...) 35 years. (shrink)

The ArgumentPressures to lower health-care costs remain an important stimulus to eugenic approaches. Prenatal diagnosis followed by abortion of affected fetuses has replaced sterilization as the major eugenic technique. Voluntary acceptance has replaced coercion, but subtle pressures undermine personal autonomy. The failure of the old eugenics to accurately predict who will have affected offspring virtually disappears when prenatal diagnosis is used to predict Mendelian disorders. However, when prenatal diagnosis is used to detect inherited susceptibilities to adult-onset, common, complex disorders, considerable (...) uncertainty is inherent in the prediction. Intolerance and the resurgence of genetic determinism are current pressures for a eugenic approach. The increasing use of carrier screening and of prenatal diagnosis could itself generate intolerance for those who refuse the procedures. Genetic determinism deflects society from social action that would reduce the burden of disease far more than even the maximum use of eugenics. (shrink)

The Genetic Privacy Act is a comprehensive effort to protect individuals from unauthorized analysis of their DNA and from unauthorized disclosure of information resulting from genetic analysis. Irrespective of merit, every bill must survive legislative scrutiny. This is a considerable challenge, particularly for a bill as complex and far-reaching as the GPA. To illustrate my point, I describe the fate of two bills introduced into the Maryland Senate in 1995 by Senator Jennie Forehand. The first, also entitled the Genetic Privacy (...) Act, was a slightly modified version of the model legislation prepared by Annas, Glantz, and Roche. After a hearing, the bill received a 9-2 unfavorable vote from the Economic and Environmental Affairs Committee. The second was a much shorter bill, DNA Testing – Informed Consent and Confidentiality, which simply stated that “DNA analysis may only be performed with the informed consent of the person being analyzed” and that the results of such analysis “are the exclusive property of the person tested, are confidential, and may not be disclosed without the consent of the person being tested.” This bill had a hearing but was never put to a vote by the Judicial Proceedings Committee. My principal aim is to examine the testimony on these bills. I will conclude with some suggestions about accomplishing the goals of genetic privacy legislation. (shrink)

Elementary students need authentic learning experiences with community-based topics to motivate them, help develop inquiry skills, apply academic content, and connect their learning beyond the context of the classroom. In particular, the study of food, agriculture, and natural resources in elementary classrooms can bring learning to life. Elementary teachers’ decisions to teach non-required topics are informed by their personal beliefs and contextual pressures to teach required content that is aligned with state learning standards. The purpose of this descriptive study is (...) to explore the factors underlying elementary teachers’ beliefs related to the integration of food, agricultural, and natural resources (FANR) topics and activities into their classrooms. Multivariate analyses were conducted to identify factors and determine the relationship between teacher beliefs and behaviors. Two factors explained the extent teachers integrated FANR topics and activities into their classrooms: (1) if they agreed FANR topics fit in academic subjects, and (2) if they saw the educational value of integrating FANR topics and activities into the elementary school curricula. Teachers’ epistemological and motivational beliefs play a role when they consider adopting an enrichment program to integrate non-required topics into their elementary school classrooms. The findings suggest teachers’ perceptions of the educational benefits and fit within academic content areas are more important factors than their views and attitudes of the careers and industry connected to an enrichment program when teachers choose to adopt and integrate topics and activities that would enrich student learning in their classrooms. (shrink)

Books Reviewed in this Article: Transforming Bible Study. By Walter Wink. Pp.175, London, SCM Press, 1981, £3.50. Isaiah 1–39. By R.E. Clements. Pp.xvi. 301, London, Marshall, Morgan and Scott, 1980, £3.95. Isaiah 40–66. By R.N. Whybray. Pp.301, London, Marshall, Morgan and Scott, 1975, Reprinted 1981, £3.95. Die Gestalt Jesu in den synoptischen Evangelien. By Heinrich Kahlefeld. Pp.264, Frankfurt, Verlag Josef Knecht, 1981, no price given. Following Jesus: Discipleship in the Gospel of Mark. By Ernest Best. Pp.283, Sheffield, JSOT Press, 1981, (...) £15.00, £5.95. The Origin of Paul's Gospel. By Seyoon Kim. Pp.xii, 391, Tübingen, J.C.B. Mohr, 1981, 78 DM. An die Römer. By Ernst Käsemann. Pp.xvi, 411, Tübingen, J.C.B. Mohr, 1980, 48 DM. Les Récits de Resurrection des Morts dans le Nouveau Testament. By Gerard Rochais. Pp.xv, 252, Cambridge, Cambridge University Press, 1981, £15.00. Prêtres Anciens, Prétre Nouveau selon le Nouveau Testament. By Albert Vanhoye. Pp.366, Paris Editions du Seuil, 1980, no price given. Woman in the World of Jesus. By Evelyn and Frank Stagg. Pp.292, Edinburgh, The St Andrew Press, 1981, no price given. Jesus, Man and the Church. By Karl Rahner. Pp.260, London, Darton Longman & Todd, 1981, £14.50. Jesus Lord and Savior: A Theopathic Christology and Soteriology. By William M. Thompson. Pp.ix, 287, Leominster, Fowler Wright, 1981, £7.45. God and World in Schleiermacher's ‘Dialektik’ and ‘Glaubenslehre’. Criticism and the Methodology of Dogmatics. By John E. Thiel. Pp.xiv, 239, Bern, Frankfurt and Las Vegas, Peter Lang, 1981, SF 49.50. Ministry: A Case for Change. By Edward Schillebeeckx. Pp.ix, 165, London, SCM Press, 1981, £4.95. The Sacraments: Readings in Contemporary Sacramental Theology. Edited by Michael J. Taylor. Pp.274, New York, Alba House, 1981, $7.95. Believing in the Church: The Corporate Nature of Faith. A Report by the Doctrine Commission of the Church of England. Pp.ix, 310, London, SPCK, 1981, £8.50. Confessing the Faith in the Church of England Today. By R.T. Beckwith. Pp.36, Oxford, La timer House, 1981, £1.00. A Kind of Noah's Ark? The Anglican Commitment to Comprehensiveness. By J.I. Packer. Pp.39, Oxford, Latimer House, 1981, £1.00. Reasonable Belief: A Survey of the Christian Faith. By Anthony Hanson and Richard Hanson. Pp.xii, 283, Oxford University Press, 1981, £8.50. Doctrine in the Church of England. The 1938 Report with a new introduction by G.W.H. Lampe. Pp.lx, 242, London, SPCK, 1982, £8.50. The Divine Right of the Papacy in Recent Ecumenical Theology. By J. Michael Miller. Pp.xvi, 322, Rome, Università Gregoriana Editrice, 1980, 18,000 Lire. Der heilige Geist in der Theologie von Heribert Mühlen: Versucheiner Darstellung und Würdigung. By John B. Banawiratma. Pp.ix, 310, Frankfurt and Bern: Peter D. Lang, 1981, SFr. 60.00. Standing Before God: Studies on Prayer in Scriptures and Tradition with Essays in Honor of John M. Oesterreicher. Edited by Asher Frinkel and Lawrence Frizzell. Pp.410, New York, Ktav Publishing House, 1981, $29.50. Judaism and Healing. By J. David Bleich. Pp.xiii, 199, New York, Ktav, 1981, $15.00. The Diversity of Moral Thinking. By Neil Cooper. Pp.x, 303, Oxford, Clarendon Press: Oxford University Press, 1981, £15.00. L'Homme: Sujet ou Objet? By Jacques Croteau. Pp.260, Montreal, Bellarmin: Tournai, Desclée et Cie, 1981, $15.00. The Texture of Knowledge: An Essay on Religion and Science. By James W. Jones. Pp.97, Washington, University Press of America, 1981, no price given. Cosmos and Creator. By Stanley L. Jaki. Pp.xii, 168, Edinburgh, Scottish Academic Press, 1980, £6.75. Dante, Philomythes and Philosopher: Man in the Cosmos. By Patrick Boyde. Pp.vii, 408, Cambridge, Cambridge University Press, 1981, £30.00. Dissidence et Philosophie au Mayen Âge. By E.L. Fortin. Pp.201, Montreal, Bellarmin, 1981, $12.00. The Philosophy of John Norris of Bemerton. By Richard Acworth. Pp.x, 388, Hildesheim, Georg Olms, 1979, 74 DM. Philosophy and Ideology in Hume's Political Thought. By David Miller. Pp.xii, 218, Oxford, Clarendon Press, 1981, £15.00. Hegelianism. By John Edward Toews. Pp.x, 450, Cambridge, Cambridge University Press, 1980, £25.00. One Hundred Years of Thomism. Edited by V.B. Brezik. Pp.210, Houston, Centre for Thomistic Studies, 1981, no price given. Gramsci's Political Thought: Hegemony, Consciousness and the Revolutionary Process. By J.V. Femia. Pp.xiii, 303, Oxford, Clarendon Press, 1981, £17.50. Greek and Roman Slavery. By Thomas Wiedemann. Pp.xvi, 284, London, Croom Helm, 1981, £10.95, £5.95. Prophecy and Millenarianism. Essays in Honour of Marjorie Reeves. Edited by Ann Williams. Pp.x, 355, London, Longman, 1980, £25.00. Of Prelates and Princes: A Study of the Economic and Social Position of the Tudor Episcopate. By Felicity Heal. Pp.xv, 353, Cambridge, Cambridge University Press, 1980, £17.50. Radical Religious Movements in Early Modern Europe. By Michael Mullett. Pp.xxiv, 193, London, George Allen & Unwin, 1980, £10.50. The Jesuits. By J.C.H. Aveling. Pp.390, London, Blond and Briggs, 1981, £16.95. The Beginnings of Ideology. By Donald R. Kelley. Pp.xv, 351, Cambridge, Cambridge University Press, 1981, £24.00. Utopia and the Ideal Society: A Study of English Utopian Writing 1516–1700. By J.C. Davis. Pp.x, 427, Cambridge, Cambridge University Press, 1981, £25.00. Eastern Politics of the Vatican 1917–1979. By Hansjakob Stehle. Pp.466, Athens, Ohio University Press, 1981, £16.20, £8.10. Structuralism or Criticism? By Geoffrey Strickland. Pp.viii, 209, Cambridge, Cambridge University Press, 1981, £17.50. The Call of God: The Theme of Vocation in the Poetry of Donne and Herbert. By Robert B. Shaw. Pp.xiii, 123, Cambridge, Mass., Cowley Publications, 1981, $5.00. John and Charles Wesley: Selected Prayers, Hymns, Journal Notes, Sermons, Letters and Treatises. Edited by Frank Whaling. Pp.xx, 412, London, SPCK, 1981, £8.95. The Trickster in West Africa: A Study of Mythic Irony and Sacred Delight. By Robert D. Pelton. Pp.312, Berkeley, University of California Press, 1980, £15.00. (shrink)

The design argument for the existence of God is often criticized for resting on anthropocentrism. Some critics maintain that anthropocentrism explains the origin of the design argument. Such critics commit the genetic fallacy. Others say anthropocentrism explains the appeal of the belief that human beings are ends especially worthy of creation. They fail to appreciate that the design argument need not be framed in terms of the fitness of the universe for humanity. Lastly, some say the design argument requires a (...) picture of value according to which it was true, prior to the coming-into-being of the universe, that our sort of universe is worthy of creation. Such a picture, they say, is mistaken, though our attraction to it can be explained in terms of anthropocentrism. This is a serious criticism. To respond to it, proponents of the design argument must either defend an objectivist conception of value or, if not, provide some independent reason for thinking an intelligent designer is likely to create our sort of universe. (shrink)

This volume addresses the role value judgments play in science. It is my contention that a particular research programme in modern physical cosmology rests crucially on a value judgment. Before making my case, let me introduce the following abbreviations for the following propositions.

This book was written with my University of Mississippi "Philosophy of Religion" students in mind. Many of them have no prior experience with philosophy. That is why Chapter One begins with a crash course in philosophy, with an emphasis on the basic concepts in logic, metaphysics, and epistemology. While not all students may need to cover that material, quite a few will. And for the rest, a refresher never hurts. I am sure this applies to many "Philosophy of Religion" courses (...) taught elsewhere. With that in mind, instructors are advised to begin with Chapter One. The subsequent chapters have been arranged in sequence, with each chapter building on the prior ones. However, the chapters are not that tightly bound, so instructors could cover the chapters out of sequence without much disruption. Key terms are underlined. Sometimes the key terms also occur with an associated hyperlink. Other terms have a hyperlink without a corresponding key term. In the print the hyperlink is included as a footnote, in the ebooks the term is hyperlinked [Production - check the ebooks will have hyperlinbks - amend wording here if not]. In general, the hyperlinks follow a pattern. First, key terms are often linked to entries in online academic encyclopedias - either The Stanford Encyclopedia of Philosophy, The Internet Encyclopedia of Philosophy, or The Encyclopedia Britannica. [Students are recommended also to consult The Encyclopedia of Philosophy (1967), edited by Paul Edwards; it is still an excellent resource and has entries corresponding to many key terms. Almost every university library has a copy.] Second, named individuals are sometimes linked to an encyclopedia entry. In both sorts of cases, the URL is provided in an endnote at the end of each chapter. No other description of the contents of the web page will be given. In most other cases, a short description of the contents of the web page is provided in the endnote. Each chapter includes an annotated bibliography for more advanced material. Helpful material is also available on the website for this book. This material includes a glossary, a sample syllabus (with recommended readings), study questions, and a test bank, among other features. (shrink)

In this paper I state and reject two of the most commonly given arguments for regulating access by insurance companies to the results of genetic tests. I then argue that since we cannot assume a priori that those genetically predisposed to disease will have worse health outcomes than those not so disposed, we cannot know a priori that genetic discrimination will emerge as a major problem in a free market health insurance system. Finally, I explore the possibility of a free-market (...) solution to the problem of genetic discrimination:genetic insurance. (shrink)

Signal detection theory (SDT) is best known as a method for separating sensitivity from bias. If sensitivity reflects early sensory processing and bias later cognition, then SDT can be use to study penetrability by asking whether cognitive manipulations affect sensitivity. This assumption is too simple, but SDT can nonetheless be helpful in developing specific methods of how sensory and cognitive information combine. Two such approaches are described.