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[Music] well here is an interesting theory for you no matter how smart well educated and informed you might be you aren't rational you may not always make investment decisions that are good for you and on top of that even knowing that you may make bad decisions about money doesn't stop you from making bad decisions about money puzzling but part of the reason is something called behavioral economics and finance exists so here to educate us and why this happens and what we can do about it is dilip so manys professor of marketing at the Rotman School of Management at the University of Toronto and one of Canada's leading thinkers in behavioral economics it is great to have you here Thank You Kim I think the one thing I thought was fascinating when we talked earlier today is knowing the right thing to do does that mean you will do the right thing so why is that why aren't we wired to do the right thing well I mean I think there's a couple of reasons one is I think we've set the bar too hig...