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Life is full of risky decisions, from the mundane to matters of life or death. Individuals differ in the risks they accept (or even deliberately embrace). However, risk taking is not a single trait but is a behavior influenced by characteristics of the situation (what the decision is about and to what extent it engages affect vs. deliberation), the decision maker (age and gender), and interactions between situation and decision maker. Understanding the mechanisms behind risk taking—or who takes risks when and why—is particularly important when the goal is to influence and modify the behavior.
Figner et al. (Mon,) studied this question.