Tom and jacob are college students. both of them will probably get married later and have two or three children. each knows that if he studies more in college, he'll get a better job and earn more than if he doesn't study. earning more means the ability to spend more on their future familieslong dash—things like orthodontia, nice clothes, admission to an expensive college, and travel. tom thinks about the potential benefits to his potential children when he decides how much studying to do. jacob doesn't.

- "ethical issues. deception – the participants actually believed they were shocking a real person and were unaware the learner was a confederate of milgram's. however, milgram argued that “illusion is used when necessary in order to set the stage for the revelation of certain difficult-to-get-at-truths.” "

- "milgram's work was conducted in the early 1960s before the current.the studies ignited a debate about the ethical treatment of participants. what appear to be dangerous, if not deadly, electric shocks and the by today's ethical standards, many questions about the research have gone unanswered."

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time