Violent Video Games Are Numbing the Minds of Children Essays

Violent video games are undoubtedly a legalized drug to children and teens, numbing their thoughts and reprogramming their minds. Like a drug, it desensitizes them, and makes them more prone to violence. This idea of violent video games was not a phenomenon until the later 20th century, and evolved from racing into enemies, to free-for-all drug abuse and sexual/physical violence that most youth know and play today. These games have a detrimental impact on teens, making them eat more, become more aggressive, and wash away their morality. Although some may try to argue with reality, countering that its helps them socially, similar to the idea of teens taking drugs, violent video games reduce their overall health and need to be taken care†¦show more content†¦With todays market, if someone were to walk into any game store across the country, they would realize that any child with parental approval can attain these games, making it virtually easy for anyone of any age to play vi olent games. If we combine the 2009 study as well as this jaw-dropping statistic, we can easily see that most kids will grow up more violent than the previous generation, making today’s world full of danger and crime. Moreover, we can also see how indirectly, violent video games can cause teens to become more aggressive. According to a study conducted by Brad Bushman on violent video games, kids who played violent video games and were offered MM candy to eat while playing ate almost three times as much candy compared to kids who played non-violent video games under the same circumstances. Not only does this show the physical health effects of these games, but by processing this information, one can see that it shows a foundational fact that kids show less restraint overall when playing violent video games, whether in candy or violence. To conclude this study further, Bushman measured direct aggression through having teens in both criteria play a game where they would blast so meone else through noises with different volumes and lengths. The results showed that violent video gamers blasted their â€Å"partner† with louder andShow MoreRelatedVideo Game Violence: Therapeutic Outlet or Perpetuating Violence?1418 Words   |  6 PagesThe video game world is full of wonders, fantasy worlds, and even real life scenarios that we see on television. There are games based off of television shows, popular movies, and even comic book universes. In David Perry’s speech and presentation, â€Å"Are Video Games Better Than Life?† he brought up a lot of points about gaming both from its humble beginnings to where we are today. However, he made it clear that the discussion was to be about the video game world. Are video games better than realityRead More Videogames Dont Have a Negative Effect on Kids Essay example1229 Words   |  5 Pagesthe children. One that many people overlook is video games, a national past time in almost every home. It is clear that they can cause changes in children, but are the changes good or bad? Do video games have a negative effect on kids? Personally, I felt there was nothing wrong with video games. I play them for fourteen hours or more a week, and I’ve been doing â€Å"fine† in life. I made it to a fine college, I learned unique words when I was young, and I even won prizes in some video game contestsRead MoreKilling Their Innocence671 Words   |  3 PagesKilling Their Innocence So here I was, watching a couple of kids, a brother (9) and a sister (11), during the Super Bowl this year while their parents were downstairs watching the game. We were playing the board game â€Å"LIFE†. All was going well, and then the brother (we’ll call him Sam) got bored as kids do. So Sam pulled out his iPhone and started looking for an app to appease his boredom. Before I knew it, Sam opened a gun app. This application allows the user to select any type of gun, rangingRead MoreAn Aggressive Action As Intentional Behavior994 Words   |  4 Pagesbecome part of our day-to-day lives. But what are the causes to this increase of human aggression? Why are humans becoming more numb to others pain and insensitive to their feelings? It’s chilling to see how the world around us can affect our state of mind. Many scholars have debated on whether aggression is due to biology or our environment. Tomas Hobbes for example, stated in 1651 that in our natural state, we are brutes and are prone to enforcing the law. He believed humans have a natural instinctRead More Video Game Violence Essay examples2549 Words   |  11 Pagesâ€Å"Video Game Violence Does Not Cause Violent Tendencies† An In-Depth Look at Video Game Violence and its Positives Effects â€Å"On Tuesday, November 2, while the rest of the country was voting, the Supreme Court of the United States heard oral arguments in Schwarzenegger v. EMA, the landmark case in which the state of California is petitioning for the re-instatement of a California law banning the sale of deviant or morbid violent video games to minors† (Macris). This case is a current example of theRead MoreDota Addiction Effects in Academic Performance2977 Words   |  12 Pagesproperly, there’s always a negative effect that occurs. It can be in our thoughts, behaviors, actions, and or in other ways.      Computer games are slowly arousing and it is one of the things that bring the negative effect. Many people are playing and having so much fun with this that can be a form of entertainment. DOTA is one of the examples of computer games. And this is where our topic began to star.     DOTA means Defense of the Ancients. It is commonly the word that we can hear on most peopleRead MoreMasculinity As A Mental Self Destructive Tool2178 Words   |  9 Pagesmedia exhibit manhood. According to the film, â€Å"The average of boy’s media consumption ranges from 57 hours per week† (The Mask You Live In; 2015) This means they spend 40hrs watching television, ranging from cartoons to action movies, 15hrs playing video games, and 2hrs watching porn. There are five types of masculinity demonstrated in the media. Firstly, the mysterious form of masculinity is an emotionless, always composed character. His disciplined composure is portrayed as strong because he does notRead MoreMedia Violence9754 Words   |  40 PagesChildren are among the greatest of imitatorsÂ… The debate over media violence has eluded definitive answers for more then three decades. At first glance, the debate is dominated by one question. Whether or not media violence causes real life violence and whether or not it has a negative effect of the modern day Canadian family. Closer examination reveals a political battle. On one hand, there are those who blame media violence for societal violence and want to censor violent content to protectRead MoreInternet Addiction: Government Policy or Personal Responsibility?4485 Words   |  18 Pagesrestricting software; and other measures. However, the U.S. has yet to properly address this growing but silent disease. The implications of disease are seen with stories of individuals losing their jobs due to not being able to walk away from video games, constantly checking one’s Facebook page, acting out violently when a parent tells a child no more, increased level of stress or creating second lives online when they are becoming derelicts in their â€Å"real† lives. The stories are abundant, yet asRead More Reading and Censorship of the Harry Potter Novels Essay5573 Words   |  23 PagesReading and Censorship of the Harry Potter Novels J. K. Rowling’s Harry Potter series, which have reached worldwide popularity have an effect on children has not been matched by any other book. The novels have encouraged children to read for entertainment instead of turning to television or video games. When a piece of literature inspires children as the Harry Potter novels do, limiting a child’s access to the novels seems ridiculous. Unfortunately, this is what is happening with Harry Potter

There are many aspects of the automotive industrie Essay Example For Students

There are many aspects of the automotive industrie Essay s that affect nature and the world in general. One car company in particular holds great respect and admiration in both the eyes of other automotive professionals as well as drivers of all classes. Ferrari was a dream developed in 1929 his goal was to make the world best sports car. Through innovative design, flawless craftsmanship, and a true love for the game he succeeded in creating a car company that is today the most revered in all the world. Enzo Ferrari was born in 1898 in Modena, Italy. His father Alfredo Ferrari operated a local metal fabricating company, and when Enzo and his brother Alfredo Jr. were old enough there father took them to there first auto race in Bologna. That sparked his love for racing and cars. In 1919 he given a job for a small car company in Italy called CMN. At this company he made small leaps and bounds. He was a simple racer that had extreme potential but the equipment was not as good and the chances of him making it far were very small. The next step in his journey he was given an opportunity by his friend that worked for Alfa Romeo and he was given a position as a racer. He was able to successfully make second place in the Targa Florio which is a prestigious race held in Italy and attendance is by invitation only. After he had his fill with racing he became a member of the Alfa Romeo pit crew where he learned much more about cars and the art of their creation. This is where he began his stride into his own new firm which was so rightfully named Ferrari. Ferraris first innovation in the automotive industry came in its design. Enzo teamed up with a long time friend Battista Pinin Farina they came together and designed the first Ferrari P3 and as soon as it came out it was a championship car. It was the Targa Florio and the Milli Milia in its first year of production. Ferraris main focus in his education was in the field of Aerodynamics; with his ideas and Farinas facilities they were able to continue to make breakthroughs in design and technology that would continue to take the name Ferrari to the top. To this day Pinin Farina continues to create breakthrough designs for Ferrari. The aspect of design that makes Ferrari stand out as it does is its building techniques. All Ferraris are hand built and in that aspect they are taken to a whole new standard. They are built piece by piece and then slowly put together. Ferrari only puts together a certain amount of cars per year. Particular designs have to be built by order and others are built by popularity. Because of the small numbers produced per year they are considered far more valuable. The company strives to bring nothing but perfection to there customers and show them an experience brought forth by tradition every time they find themselves behind the wheel. The engine of the traditional Ferrari is also hand built and held to the highest testing standard. They are made to reach high speeds and using the most advanced yet simple engineering techniques they make it all happen. There are three basic types of engines that the company uses in its cars; six cylinders, eight cylinders, and twelve cylinders. These engine types are available to all car manufacturers but only Ferrari and a few other select automotive car companies have been able to push such power in there vehicles over the centuries of there existence. The only considerable set back that this car causes that would be considered undesirable to some people would be one the car is extremely loud no one has really taken the time to figure out exactly how loud the car can be but to the owners and people that appreciate the art that is Ferrari. The second and slightly more consequential of the two is the amount of gas the car consumes, it goes about twelve to thirteen miles to the gallon and considering its a small tank there are a lot of stops the owner must take to keep the tank full and the car going. Ferrari is a car that has been built on perfection from the ground up and based highly on perfection and tradition. Everything about the car from the names to the exclusiveness of the cars is based on the long journey that Enzo .

Leadership and Justin free essay sample

1. What might explain Justin’s Failure to perform well in his new leadership role as the head of the Asia-Pacific division? I feel that there could have been a few things that led to Justin’s failure in his new leadership position. While although he was extremely successful during his domestic VP position, many leaders fail to grasp the key traits and skills needed for the global scale. I think more emersion into the Hong Kong culture could have possibility helped Justin adapt and relate better with the local employees of the company. With being culturally aware Justin also needed to be adaptable in his new position. Being resourceful and not just implementing new rules and policies isn’t exercising an adaptable approach to the new job. The most import aspect I think Justin missed the boat on was looking to the future of the business but in the aspect of his new environment. We will write a custom essay sample on Leadership and Justin or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Had he made this his number one priority, I feel the other traits and skills needed for this new position would have followed. 2. What might Compcorp have done to enhance prospects for Justin’s successful performance? What might Justin himself have done to enhance the likelihood of success in this new assignment and to help avoid derailing an otherwise highly promising career in Compcorp? Compcorp could have enhanced Justin’s performance by following one of two models to shape effective global leaders. The first is the GLED Model (Global Leadership Expertise Development) which focuses on four categories: individual characteristics, cultural exposure, global education, and project novelty (Ball, p. 286). The second is The â€Å"Right Stuff† Model which identifies global leaders in what they have learned and what they are able to do as leaders (Ball, p. 286). Had Compcorp alerted extra attention to Justin Marshall under either one of these models instead of just going of past performance his outcome would have had a better result. Compcorp isn’t the only one at fault; Justin is equally responsible for his performance. Justin might have done some more research on the market and culture in Hong Kong to get a better understanding of longevity because his plan of action and procedures didn’t even make it to three successful quarters.

being australian essays

being australian essays What is the Australian National Identity? Who can decide what it is? Who is truly Australian? These questions have been asked throughout this countrys short life. Many have different views on what is what, but I believe that you cant really just say well this is what an Australian is and thats that. But there are definitely unique qualities about Australians that are evident. The booklet entitled Being Australian has many different representations on what is Australian, these are the images that ...During the colonial era, many of the true Australian qualities were shown. They showed, resourcefulness, independence, mateship, egalitarianism, and endurance to name a few...Distinct Australian qualities(traits) were seen to be identifiable and reflected the democratic and egalitarian values and aspirations of the people. There were other people with very strong views on what is Australian. By the term Australian we mean not just those who have been merely born in Australia. All white men who come to these shores- with a clean record- and who leave behind them the memory of class distinctions and the religious differences of the old world; all men who place the happiness, the prosperity, the advancement of their adopted country before the interests of imperialism are Australian. Then there were other people like Henry Lawson who described the typical Australian as having, pessimism, callousness, atheism and stoic endurance. But unfortunately, according to Fred Broomfields, Henry Lawson is not the seizer and historian of the typical Australian, simply because there is no such being...But these things are common to all isolated people. Fred Broomfields, also wrote that there is the typical small town Australian. ...

Personal Finance Concepts Essay Example | Topics and Well Written Essays - 750 words

Personal Finance Concepts - Essay Example The most important asset classes are stocks, bonds, and cash. Because these investments perform differently depending on economic conditions, a good balance can keep a portfolio strong in a wide range of economic situations. In this sense, asset allocation may be the most important form of diversification. As my goal is to accumulate funds for retirement, growth of investments is of high importance and the time horizon is long, I may take on more risk by investing more in stocks with potential for higher returns. NBC Capital Corp. is a holding company for subsidiaries providing a range of financial services, including banking, trust services, mortgage services, insurance and investment products in east Mississippi and Tuscaloosa, AL. As of Mar. 31, 2004, total assets were $1.1 billion, total deposits were $832 million and stockholders' equity was $114 million. There are three basic types of bond funds: treasury bond funds, municipal bond funds, and corporate bond funds. The returns of these bond funds differ according to the amount of risk inherent in each fund. Treasury Bonds - have a maturity exceeding 10 years and the Treasury issued them in denominations ranging from $1,000 to $1 million. The U.S. Treasury no longer issues Treasury Bonds, however you can still buy them on the secondary market. Many corporations issue (or float) bonds to borrow money for operations. Bonds are typically issued at $1,000 par. Par is another word for "face amount." Long-term bonds have maturities of 10 to 40 years. They generally pay interest semi-annually. Many bonds may be recalled prior to maturity by the issuer. Municipal bonds (nicknamed munis) are bonds issued by

Managing Conflict & the Negotiation Process Essay

Managing Conflict & the Negotiation Process - Essay Example In managing conflict, it is important to determine who are involved, what they think, andthe context or the environment of the conflict. One would best map out the conflict to determine its scope and all basic information so that one can match an effective response to it. Part of this is determining the options available and the costs and benefits accruing from them. Often, a great deal can be learned from similar experiences of the past which can also yield ideas about what things are likely to happen. Efforts must be made to look into who would be affected by the conflict especially those that are silent and have not yet become vocal. Disputes often times have histories which may explain the feelings of others on the issue. When people speak, they may be able to give hints on how the current situation can be resolved. At times, disputes may be related to others disputes and this deserves some attention as they may affect the outcome of the earlier conflict. As supposed survivors, we were faced with a common enemy [the possibility of not being able to survive] and so we were one. What each one of us were, was quickly forgotten as we had to be united to get us out of the problem. We had to work as a team and explore an uncharted territory. As time went on, thoughts were turned to our individual selves as dwindling supplies and security from the unknown stared us in the face. We had to think of strategies, yet have our personal needs met. In trying to communicate with each other, there was the trend wherein some members preferred to direct communication first to one's buddy in the group, then eventually to the emergent leader. In the process, the quiet one seemed not to be included with the team. Communication was bridged only with the emergent leader shifting back and forth between the non-talking parties. I can see that one needs to be alert, to be on top of their game, and agile enough to respond quickly and effectively to changes. Exercises like this can be very helpful for the mind. Where before, I had only myself to dictate how I moved, here, I was forced to act from a perspective wider and bigger than myself. It seemed that I had taken on a personality bigger than that of my old self. (2) Describe how the events that happened relate to our studies. I am amazed to see that the mix of different personalities and levels are counted critical to the success of the activity. First, we do not have the same experiences and the same capacity for understanding concepts involved in the exercise. Second, we didn't know each other that close until after the exercises. Third, we were forced to think quickly. A common problem bound us all: the need to survive. The mind maps had encouraged equal participation from each one of us. The game actually begins when we, as strangers, are left in a rough terrain. There is no opportunity for planning before the game begins. We scramble to gather whatever supplies we can grab. We trek across rugged terrain in search of a campsite. Exhausted, hungry and in the middle of no where, we work

Advanced Microeconomics Essay Example for Free

Advanced Microeconomics Essay Question 1: Consumer Theory 1.1: In both the Marshallian and Hicksian consumer optimisation problems, it is assumed that consumers are supposed to be rational. The main focus of these problems are cost minimisation and utility maximisation, which play a huge part in consumer demand, but in real life, these are not the only problems that are considered. Also, it is assumed that every consumer’s indifference curve for two goods would be the same – they are very generalised models, and do not take into account other factors. For example, not many consumers would spend their entire budget on said goods – one thing to consider would be a consumer’s marginal propensity to consume and save. Though both of the problems provide a framework and model of consumer decisions, they are not plausible when applying them to real-life terms, because we have imperfect knowledge. 1.2: The expression given in the question, is the rearranged derivative of the Hicksian demand being equal to the Marshallian demand, when income from the budget constraint is equal to minimised expenditure, whereby m=ep, ÃŽ ¼. This is given by: dDdp= dHdp- dDdm . dedp using m = e. Shephard’s Lemma provides us an alternative way of deriving Hicksian demand functions, using e. It is given by: dedp= x* It is important to note that e is strictly increasing in p, due to Shephard’s Lemma, and x* 0,by assumption. Substituting this into the above expression gives: dDdp= dHdp- dDdm x*  This expression now represents a complete law of demand, as it has combined both Marshallian and Hicksian demand, whereby income from the budget constraint of Marshallian demand, is equal to minimised expenditure of Hicksian demand. Therefore, it has maximised utility and minimised cost simultaneously, to create an optimal quantity of demand in x*. The first term, dDdp, means that Marshallian demand (maximising utility) increases, relative to the price of the good. dHdp represents the Hicksian part of the expression, whereby expenditure is minimised, relative to the price of the good. Question 3: Adverse Selection, Moral Hazard and Insurance 3.1: Insurance markets are needed when risk is present. Risk occurs when there is uncertainty about the state of the world. For example, car drivers do not know if they will crash their car in future, and suffer a loss of wealth – so they would purchase insurance to eliminate this risk of loss, and protect them if they were to ever crash their car. Agents (buyers of insurance) will use insurance markets to transfer their income between different states of the world. This allows insurance markets to trade risk between high-risk and low-risk agents/states. These can be described as Pareto movements. A Pareto improvement is the allocation, or reallocation of resources to make one individual better off, without making another individual worse off. Another term for this is multi-criteria optimisation, where variables and parameters are manipulated to result in an optimal situation, where no further improvements can be made. When the situation occurs that no more improvements can be made , it is Pareto efficient. A condition for efficiency is the least risk-averse agent bears all the risk in an insurance market. If a risk-averse agent bears risk, they would be willing to pay to remove it. A risk-averse agent has a diminishing marginal utility of income; whereby his marginal utility is different across states, if his income is different across states. The agent would give up income in high-income states, in which his marginal utility is low, to have more income in low-income states (e.g. bad state of the world causing a loss of wealth), where his marginal utility would be high. If the insurance market is risk neutral, they will sell insurance to the customer, as long as the payment received is higher than the expected value of pay-outs that the insurer is contracted to give to the customer in different states of the world. Whenever the agent bears some risk, unexploited gains from trade exist. Absence of unexploited gains from trade is a requirement in an efficient insurance market, therefore the situation must arise, whereby the agent’s income is equalised across the states of the world. A risk neutral insurance company can charge a premium to equalise the agent’s income across states of the world, in the best interests of the risk-averse agent. Also, for an insurance market to be  efficient, a tangency condition is implied. The tangency of the indifference curves of a risk-averse agent, and a risk-neutral agent, is where efficiency occurs. At this point, one cannot be made better off, without the other being made worse off (Pareto efficiency). However, an insurance company will never be completely efficient in real life, as information asymmetry exists. The first type of information asymmetry to arise in an insurance market is moral hazard, whereby the actions that an agent may take after signing the contract cannot be observed. This gives the company a trade-off decision between giving full insurance or offering incentives for the agent. Full insurance is first-best in the absence of asymmetric information, when the insurance company is risk-neutral and the agent is risk-averse. However, if the agent is fully insured by the company, they have no reason to prevent a bad state of the world from happening. To solve this problem, the insurance company will not offer full insurance, in order to provide the agent with an incentive to avoid losses. The second type of information asymmetry to occur in an insurance market, is adverse selection. This is when the agent has private information about his risk type and characteristics, and agents in the market are heterogenous. As the insurer doesn’t know which agents are high-risk or low risk, the company will not offer different types of full insurance to match risk-types, as high-risk agents will prefer contracts that are designed for low-risk agents. To solve this, the insurer will offer low-risk agents less insurance – this ensures that high-risk types do not have the incentive to choose a contract for low-risk customers, as they will want more insurance, because they know they will need to claim more. This ensures that the insurance company maintains non-negative profit, as high-risk individuals cost more to insure. However, these solutions carry agency costs, because the result is less efficient than if symmetric information was present. I believe that risk neutrality of an insurance company is a sufficient condition for insurance to take place. Insurance companies are risk-neutral to maximise expected profits, therefore as the principal, will design contracts to achieve this, as well as making certain that the agent picks the desired effort (i.e to prevent a bad state of the world) for that contract, and to make sure that the agent even picks the  contract in the first place. Making sure incentives are compatible, and ensuring participation by the correct risk types, are constraints on maximising expected profits. If an insurance company was risk-averse, without the availability of symmetric information, they cannot differentiate between different risk-types, and therefore would not want to take on the risk of possible high-risk agents buying low-risk contracts. They would charge a higher premium to offset this, which would discourage low-risk customers to sign a contract with the company, as it would not be maximising their own utility. This would lead to a missing market, where trade would be prevented, because other risk-neutral companies would offer better contracts, and they would be able to steal all the low-risk customers. The magnitude of this would depend on the number of low- and high-risk people in the population. This leads me to believe that risk neutrality is also a necessary condition for insurance to take place. 3.2: An insurance company will sell a policy, c, r, if it makes non-negative profits, then:  Ã¢â€ â€™ r-pic ≠¥0,  where c = payout, pi = probability of the loss state, r = premium. Competition in the market drives profit down to zero, therefore r-pic = 0 in equilibrium. For the contract to be at equilibrium, it must satisfy two conditions: the break-even condition, whereby no contract makes negative profits; and absence of unexploited opportunities for profit, because if there was a contract outside of the offered set, with non-negative profit, would mean the offered set is not in equilibrium. If all agents are homogenous, if all agents face the same probability of loss, pi=p, insurance companies would know each buyer’s pi. The firm must maximise each agent’s utility subject to the firm breaking even. This would be at the point of tangency of the agent’s indifference curve and zero-profit constraint. This would be in equilibrium as another profit-making polic y could not be offered. Therefore, as they can observe agent’s risk types, they can offer different policies, to different types: ÃŽ ¸i= ri, ci. It follows that each is offered full and fair insurance. In real life, heterogeneity is usually the case. This is when pi varies with all individuals. Assuming that there are two types: high-risk types, H, and low-risk types, L, where the probability  of loss for H is higher than for L. Individuals know their own probability of loss i=H, L, but insurance companies are unable to observe this. In this case, there are two different kinds of equilibria that insurance companies could opt with: the candidate pooling equilibrium and the candidate separating equilibrium. The pooling equilibrium is where all risk types buy the same policy. In contrary, the separating equilibrium is based on each risk type buying a different policy. In the pooling equilibrium, if both H and L risk-types choose the same policy, the probability of loss is p and the probability of no l oss is 1- p. Therefore, the slope of the ‘aggregate fair-odds line is -1-pp. The pooling contract must lie on this line to be in equilibrium, to ensure the firm breaks even exactly. The contract must also ensure both types want to buy it – it must take both L and H to higher indifference curve than the indifference curve they would be on if they stayed uninsured. Agent L ends up below his fair odds line, and H above his, which means L pays more than expected costs, and H pays less – both pay the fair pooled premium, but H claims on the policy more. So if L prefers to buy the contract, so will H. This leads me to believe both L and H will be able to get full insurance, though it’s not completely fair, as the firm does not need H to choose a different policy to remain breaking even. However, this brings to mind the notion that if full insurance is offered, the agent will not have the incentive to prevent a loss state. Therefore, less insurance will probably be offered, and as both risk types are paying the same premium of the same policy, neither will receive full insurance, as it impossible to differentiate between the two – they will both choose the same policy offered. In the separating equilibrium, one contract would be offered to L, and another to H. Each risk type must prefer the contract designed for that type (i.e. the incentives must be compatible). The contracts offered should give each type the highest possible utility, subject to the firm breaking even. If full insurance contracts were offered to both L and H, where their respective indifference curves are tangent with their respective zero-profit constraints/fair-odds lines, low risk customers would prefer the policy designed for them, but high-risk customers would also prefer the same policy, not the policy designed for them. So they would not both be offered full insurance, as this gives rise to the problem of preventing H from imitating L – low-risk agents are cheaper to insure for the firm (claim less  often) so they get a better rate. Therefore, instead of offering L full insurance, they are offered C, which is still on their fair odds line, but on a lower indifference curve, still ensuring the zero-profit constraint. Now, if the high-risk agents were to choose between the policy designed for them, and C, they will choose the policy designed for them, because they prefer to have more insurance for less money. So, in conclusion, in the separating equilibrium, high-risk (H) customers receive full insurance, and low-risk (L) customers only receive partial insurance – they pay the price to prevent H from imitating them. L is worse off than if there was symmetric information in the market, but no difference to H.