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Description
An individual’s reputation can be beneficial or detrimental to their exchanges with others,
and these exchanges may be critical for achieving evolutionary goals, such as reproduction.
Depending on their reputation, an individual may or may not gain access to resources in order to
achieve their evolutionary goals. Reputation is typically described as being

An individual’s reputation can be beneficial or detrimental to their exchanges with others,
and these exchanges may be critical for achieving evolutionary goals, such as reproduction.
Depending on their reputation, an individual may or may not gain access to resources in order to
achieve their evolutionary goals. Reputation is typically described as being “positive” and
“negative,” but the current study aimed to identify potential nuances to reputations beyond the
traditional dichotomy. It was hypothesized that different types of reputations (such as “friendly”,
“dishonest”, and “aggressive”) would group together in categories beyond “positive” and
“negative.” Additionally, individuals with different life history strategies might find different
reputations important, because the reputations they find most important may help them get the
kinds of resources they need to attain their specific evolutionary goals. Therefore, it was also
predicted that the importance individuals place on different types of reputations would vary as a
function of life history strategy. Exploratory factor analysis identified a five factor structure for
reputations. Individuals also placed varying levels of importance on different types of
reputations, and found some reputations more important than others depending on their life
history strategy. This study demonstrates that reputational information is more nuanced than
previously thought and future research should consider that there may be more than just
“positive” and “negative” reputations in social interactions.
ContributorsPatterson, Danielle Nicole (Author) / Aktipis, Athena (Thesis director) / Corbin, William (Committee member) / West, Stephen G. (Committee member) / Ayers, Jessica D. (Committee member) / Department of Psychology (Contributor) / School of Human Evolution & Social Change (Contributor) / Barrett, The Honors College (Contributor)
Created2020-12
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Description
Advertisements for financial instruments such as car loans, title loans, and rental agreements create the complex problem of presenting substantial loan agreement terms while also keeping an advertisement light and inviting. There are two main types of rules concerning how these advertisers can promote their products: regulation and guidance. Regulation

Advertisements for financial instruments such as car loans, title loans, and rental agreements create the complex problem of presenting substantial loan agreement terms while also keeping an advertisement light and inviting. There are two main types of rules concerning how these advertisers can promote their products: regulation and guidance. Regulation is the official set of laws governing what can or must be said in an advertisement. Guidance is official suggestions for proper advertising practices that are not tied to written laws. The Consumer Financial Protection Bureau (CFPB) controls regulation for the required disclosure in these advertisements and requires all material loan terms to be stated “clearly and conspicuously; however, advertisers still put important loan information in hard to see the fine print, making it difficult for the consumer to understand the advertisement. The Federal Trade Commission (FTC) is in charge of creating guidance, enforcing advertising regulation and preventing advertisements from becoming deceptive, but, due to the ambiguous nature of disclosure formatting requirements, many transgressions go uninhibited.

We conducted a survey to test consumer's perception and understanding of advertisements promoting financial instruments to see if advertisements that have run without contest from the Federal Trade Commission still have the ability to be deceptive or lack disclosure. We provided a variety of advertisements for markets such as automobiles and rent-to-own businesses. Each one of these advertisements dealt with a different financial instrument so that we could accurately test the knowledge of respondents. We collected 95 complete responses and 23 partial responses from our distribution of this survey.



Advertisements for financial instruments such as car loans, title loans, and rental agreements create the complex problem of presenting substantial loan agreement terms while also keeping an advertisement light and inviting. There are two main types of rules concerning how these advertisers can promote their products: regulation and guidance. Regulation is the official set of laws governing what can or must be said in an advertisement. Guidance is official suggestions of proper advertising practices that is not tied to written laws. The Consumer Financial Protection Bureau (CFPB) controls regulation for the required disclosure in these advertisements and requires all material loan terms to be stated “clearly and conspicuously; however, advertisers still put important loan information in hard to see fine print, making it difficult for the consumer to understand the advertisement. The Federal Trade Commission (FTC) is in charge of creating guidance, enforcing advertising regulation and preventing advertisements from becoming deceptive, but, due to the ambiguous nature of disclosure formatting requirements, many transgressions go uninhibited.

We conducted a survey to test consumer's perception and understanding of advertisements promoting financial instruments to see if advertisements that have run without contest from the Federal Trade Commission still have the ability to be deceptive or lack disclosure. We provided a variety of advertisements for markets such as automobiles and rent-to-own businesses. Each one of these advertisements dealt with a different financial instrument so that we could accurately test the knowledge of respondents. We collected 95 complete responses and 23 partial responses from our distribution of this survey.



The results show that the average consumer does not have a complete understanding of financial instruments in the context of these advertisements. These results also demonstrated that consumers are not completely comprehending the information provided to them by these advertisements. We found that in some cases, it was the way that information was provided to the consumer that was causing them to have misconceptions about the information presented. We concluded that there were enough respondents that did not correctly interpret these advertisements to support that there is some misleading and deception by these advertisements despite the lack of context by the FTC. As such, we suggest that current federal guidance be made into official regulation to further prevent these transgressions and further attempts be made to locate and prevent deceptive advertisements.
ContributorsYee, Thorin Cole (Co-author) / Heathcotte, Emily (Co-author) / Giles, Charles (Thesis director) / deLusé, Stephanie (Committee member) / Department of Marketing (Contributor) / Department of Information Systems (Contributor) / Barrett, The Honors College (Contributor)
Created2019-05
ContributorsSchildkret, David (Conductor) / Chamber Singers (Performer) / ASU Library. Music Library (Publisher)
Created2018-02-10
Description

In this thesis, I delve into the complex ethical issue of deception and coercion as external factors that can undermine consent. Countless theorists have debated the moral permissibility of different forms of deception and coercion, and in this thesis, I propose my own solution to this challenging problem in the

In this thesis, I delve into the complex ethical issue of deception and coercion as external factors that can undermine consent. Countless theorists have debated the moral permissibility of different forms of deception and coercion, and in this thesis, I propose my own solution to this challenging problem in the ethics of consent. Narrow in scope, my investigation focuses on the morally transformative power of consent and how deception and coercion hinder consent from performing this morally transformative "magic." I argue that certain features of sex are essential to the act of consent, and that deception about these features fundamentally undermines the validity of consent. Furthermore, I support David Boonin's distinction between threats and offers in the coercion literature as the most compelling distinction thus far. Through rigorous analysis and critical engagement with existing literature, my thesis contributes to the ongoing philosophical discourse on consent, deception, and coercion, shedding light on the intricacies of these issues and advancing our understanding of this complex ethical landscape.

ContributorsDevaraj, Sunil (Author) / McGregor, Joan (Thesis director) / de Marneffe, Peter (Committee member) / Barrett, The Honors College (Contributor) / School of Life Sciences (Contributor) / Historical, Philosophical & Religious Studies, Sch (Contributor)
Created2023-05
ContributorsGlenn, Erica (Conductor) / Evans, Bartlett R. (Conductor) / Oh, Eun-Mi (Conductor) / Thompson, Jason D. (Conductor) / Schildkret, David (Conductor) / Concert Choir (Performer) / Arizona Statesmen (Performer) / Women's Chorus (Performer) / Gospel Choir (Performer) / Barrett Choir (Performer) / Chamber Singers (Performer) / Choral Union (Performer) / ASU Library. Music Library (Publisher)
Created2017-11-30
ContributorsUniversity Choirs (Performer) / ASU Library. Music Library (Publisher)
Created2000-11-16
ContributorsSchildkret, David (Conductor) / White, Jamilyn (Performer) / Krison, Danielle (Performer) / Barefield, Robert (Performer) / FitzPatrick, Carole (Performer) / Chamber Singers (Performer) / Choral Union (Performer) / Symphonic Chorale (Performer) / University Symphony Orchestra (Performer) / ASU Library. Music Library (Publisher)
Created2007-04-26
ContributorsLyne, Gregory K. (Performer) / Stutzman, Gina (Performer) / Woodgate, Lyn (Performer) / Cornner, Charles B. (Performer) / Rozukalns, Andris L. (Performer) / Women's Choir (Performer) / University Choir (Performer) / ASU Library. Music Library (Publisher)
Created1996-11-24
ContributorsCherland, Carl (Performer) / Fuller, Charles L. (Performer) / O'Brien, Robert (Performer) / Hooper, Wm. John (Performer) / Graduate Chorale (Performer) / Recital Chorale (Performer) / ASU Library. Music Library (Publisher)
Created1987-10-01
ContributorsRoueche, Michelle (Performer) / Partin, Darrell (Performer) / Wiest-Parthun, Karen (Performer) / Harvison, Emery (Performer) / Hernandez, Rene (Performer) / Foley, Laura (Performer) / Women's Choir (Performer) / ASU Library. Music Library (Publisher)
Created1994-04-21