{"product_id":"the-guardrail-reset-an-economists-guide-to-when-protection-changes-behavior","title":"The Guardrail Reset: An Economist's Guide to When Protection Changes Behavior","description":"\u003cp\u003eBook 15 in T. Rose's Qualogic Learning Reset series — a 12-page economist's guide to noticing when a safety net quietly changes how carefully you behave.\u003c\/p\u003e\u003cp\u003eThis guide covers moral hazard — why deductibles, co-pays, and waiting periods exist, and how to design around the temptation protection creates.\u003c\/p\u003e\u003cp\u003eInside, you'll learn:\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eThe risk-compensation hook, and the ex-ante vs. ex-post moral hazard distinction\u003c\/li\u003e\n\u003cli\u003eWhy deductibles, co-pays, and waiting periods exist in the first place\u003c\/li\u003e\n\u003cli\u003eHow to design around moral hazard — keeping skin in the game and fixing the incentive, not the person — grounded in National Flood Insurance data where ~1% of insured properties account for nearly 30% of all claim payments\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eIncludes the 7-Day Guardrail Reset action plan. Instant PDF download, 12 pages.\u003c\/p\u003e","brand":"Qualogic","offers":[{"title":"Default Title","offer_id":53806431273325,"sku":"QL-15","price":9.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1019\/3040\/2157\/files\/guardrail-cover.png?v=1787655249","url":"https:\/\/qualogic.net\/products\/the-guardrail-reset-an-economists-guide-to-when-protection-changes-behavior","provider":"Quality Logical Products","version":"1.0","type":"link"}