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Since the 17th century, insurance agents have been the foremost experts on risk.

Charles Duhigg

Rather, to change a habit, you must keep the old cue, and deliver the old reward, but insert a new routine.
CHARLES DUHIGG

Change Habit Old Reward Routine
Simply giving employees a sense of agency- a feeling that they are in control, that they have genuine decision-making authority – can radically increase how much energy and focus they bring to their jobs.
CHARLES DUHIGG

Agency Authority Decision Employee Energy Job Simplicity
Habits are malleable throughout your entire life.
CHARLES DUHIGG

Change Habit Life Yourself
The more you focus, the more that focus becomes a habit.
CHARLES DUHIGG

Focus Habit Yourself
Between calculated risk and reckless decision-making lies the dividing line between profit and loss.
CHARLES DUHIGG

Calculation Division Loss Risk Yourself
There’s something really powerful about groups and shared experiences. People might be skeptical about their ability to change if they’re by themselves, but a group will convince them to suspend disbelief. A community creates belief.
CHARLES DUHIGG

Community Creation Disbelief Experience Powerful Share
Some say because music is as much about personal expression as listening pleasure, sharing is integral to why songs have value in the first place.
CHARLES DUHIGG

Expression Listening Music Personal Place Value
It is facile to imply that smoking, alcoholism, overeating, or other ingrained patters can be upended without real effort. Genuine change requires work and self-understanding of the cravings driving behaviours.
CHARLES DUHIGG

Alcohol Behaviour Change Drive Effort Reality Smoking Understand
The brain has this amazing ability to find happiness even when the memories of it are gone.
CHARLES DUHIGG

Ability Amazing Finding Happiness Memories
The waste from power plants is essentially what is left over when you burn coal. And as we all know, coal is a relatively dirty mineral.
CHARLES DUHIGG

Plant Power Relative Waste
Making your bed every morning is correlated with better productivity, a greater sense of well-being, and stronger skills at sticking with a budget.
CHARLES DUHIGG

Bed Better Budget Morning Production Strong
If you believe you can change – if you make it a habit – the change becomes real.
CHARLES DUHIGG

Believe Change Habit Reality Yourself
I think I’m smart, and I know I was a good mom. But there wasn’t a lot I could point to and say, that’s why I’m special.
CHARLES DUHIGG

Goodness Known Myself Smart Special Thinking
The biggest moment of flexibility in our shopping habits is when we have a child, because when you think about it, all of your old routines sort of go out the window, and suddenly a marketer can come in and sell you new kinds of things.
CHARLES DUHIGG

Flexible Kind Marketing Moments Window Yourself
If you want to do something that requires willpower – like going for a run after work – you have to conserve your willpower muscle during the day.
CHARLES DUHIGG

Conservation Day Run Willpower Work
Hiding what you know is sometimes as important as knowing it.
CHARLES DUHIGG

Hide Important Known Yourself
Small wins are a steady application of a small advantage.
CHARLES DUHIGG

Advantage Application Small Win
When people have a willpower failure, it’s because they haven’t anticipated a situation that’s going to come along.
CHARLES DUHIGG

Failure People Situation Willpower Yourself
Since the 17th century, insurance agents have been the foremost experts on risk.
CHARLES DUHIGG

Agent Expert Insurance Risk
The Golden Rule of Habit Change: You can’t extinguish a bad habit, you can only change it.
CHARLES DUHIGG

Bad Change Gold Habit Yourself
Once you understand that habits can change, you have the freedom and the responsibility to remake them. Once you understand that habits can be rebuilt, the power of habit becomes easier to grasp and the only option left is to get to work.
CHARLES DUHIGG

Easy Freedom Habit Option Understand Yourself
Research suggests that investment bankers are more prone to commit fraud when they feel the competitor at their heels.
CHARLES DUHIGG

Commitment Competition Heel Investment Research
Most of the choices we make each day may feel like the products of well-considered decision making, but they’re not. They’re habits.
CHARLES DUHIGG

Choice Day Feeling Habit Product
For a habit to stay changed, people must believe change is possible.
CHARLES DUHIGG

Believe Change Habit People Possible Stay
America is the Saudi Arabia of coal.
CHARLES DUHIGG

Coal Country Power
Habits, scientists say, emerge because the brain is constantly looking for ways to save effort.
CHARLES DUHIGG

Brain Effort Habit Save Science Way
Cravings are what drive habits. And figuring out how to spark a craving makes creating a new habit easier.
CHARLES DUHIGG

Anand Thakur

Since the 17th century, insurance agents have been the foremost experts on risk.

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Since the 17th century, insurance agents have been the foremost experts on risk.

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