You are analyzing return policy for a company. It is estimated that 10% of products have a soft- ware defect while 1% have a hardware defect (you can disregard cases with both types together). You also evaluated that 80% of customers who bought a devise with a hardware defects defect will return it, while return rate for software defects is 40%. Additionally, 5% of customers with func- tioning devises will return theirs as well. What is the proportion of returned devises which are fully functional

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

answer; consideration;

answer; o anticipate where news will happen;

answer; ///liability;