{"id":1272,"date":"2021-05-10T02:36:12","date_gmt":"2021-05-10T02:36:12","guid":{"rendered":"http:\/\/3.35.173.53\/?p=1272"},"modified":"2021-05-10T02:36:12","modified_gmt":"2021-05-10T02:36:12","slug":"%ed%98%84%ec%83%81%ec%9c%a0%ec%a7%80-%ed%8e%b8%ed%96%a5%ea%b3%bc-%ec%86%8c%eb%93%9d%ea%b3%84%ec%b8%b5","status":"publish","type":"post","link":"https:\/\/happyfinder.co.kr\/?p=1272","title":{"rendered":"\ud604\uc0c1\uc720\uc9c0 \ud3b8\ud5a5\uacfc \uc18c\ub4dd\uacc4\uce35"},"content":{"rendered":"<p><!--StartFragment--><\/p>\n<p class=\"1\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-family: \ub098\ub214\uc2a4\ud018\uc5b4; font-size: 18pt; mso-fareast-font-family: \ub098\ub214\uc2a4\ud018\uc5b4;\">\ud604\uc0c1\uc720\uc9c0 \ud3b8\ud5a5\uacfc \uc18c\ub4dd\uacc4\uce35<\/span><\/p>\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">&nbsp;&nbsp;<!--[if !supportEmptyParas]-->&nbsp;<!--[endif]-->&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">&nbsp;<o:p><\/o:p><\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ud604\uc0c1\uc720\uc9c0 \ud3b8\ud5a5<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(status quo bias)<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc740 \ub354 \uc774\ub4dd\uc774 \ub418\ub294 \uc0c8\ub85c\uc6b4 \ub300\uc548\ubcf4\ub2e4 \ub35c \uc774\ub4dd\uc774 \ub418\ub294 \ud604\uc7ac \uc0c1\ud0dc\ub97c \ub354 \uc120\ud638\ud558\ub294 \uc2ec\ub9ac\uc801 \uacbd\ud5a5\uc131\uc744 \uc758\ubbf8\ud55c\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(Samuelson &amp; Zeckhauser, 1988).<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub300\ud45c\uc801\uc778 \ud604\uc0c1\uc73c\ub85c\ub294 \ubbf8\uad6d \uce98\ub9ac\ud3ec\ub2c8\uc544\uc8fc<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(California) <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uac70\uc8fc\uc790\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ud55c \uc2e4\ud5d8\uc5d0\uc11c \ub098\ud0c0\ub0ac\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(Hartman, Doane, &amp; Woo, 1991). <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc5f0\uad6c\uc790\ub294 \uce98\ub9ac\ud3ec\ub2c8\uc544\uc5d0\uc11c \uc801\uc6a9\ub418\uace0 \uc788\ub294 \ub450 \uac00\uc9c0 \uc804\ub825\uc218\uae09 \uc11c\ube44\uc2a4 \uc911 \uc8fc\ubbfc\ub4e4 \uac01\uc790\uac00 \uc0ac\uc6a9\ud558\uace0 \uc788\ub294 \uc804\ub825\uc218\uae09 \uc11c\ube44\uc2a4\ub97c \uc5bc\ub9c8\ub098 \uc2e0\ub8b0\ud558\ub294\uc9c0\ub97c \ubb3c\uc5c8\uace0<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">, <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub192\uc740 \uc2e0\ub8b0\ub3c4\ub97c \ubcf4\uc778 \uc11c\ube44\uc2a4\uc640 \ub0ae\uc740 \uc2e0\ub8b0\ub3c4\ub97c \ubcf4\uc778 \uc11c\ube44\uc2a4\ub85c \uad6c\ubd84\ud558\uc600\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">. <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uadf8\ub9ac\uace0 \uc790\uc2e0\uc774 \ud604\uc7ac \uc0ac\uc6a9\ud558\uace0 \uc788\ub294 \uc11c\ube44\uc2a4\uc5d0\uc11c \ub2e4\ub978 \uc11c\ube44\uc2a4\ub85c \ubcc0\uacbd\ud558\uaca0\ub294\uc9c0 \ubb3c\uc5c8\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">.<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc5f0\uad6c\uc790\ub4e4\uc740 \uc2e0\ub8b0\ub3c4\uac00 \ub192\uc740 \uc11c\ube44\uc2a4\ub97c \uc0ac\uc6a9\ud558\uace0 \uc788\ub294 \uc8fc\ubbfc\ub4e4\uc740 \uc0c8\ub85c\uc6b4 \uc11c\ube44\uc2a4\ubcf4\ub2e4 \ud604\uc7ac \uc11c\ube44\uc2a4\ub97c \uc120\ud638\ud560 \uac83\uc774\uc9c0\ub9cc<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">, <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ud604\uc7ac \uc2e0\ub8b0\ub3c4\uac00 \ub0ae\uc740 \uc11c\ube44\uc2a4\ub97c \uc0ac\uc6a9\ud558\uace0 \uc788\ub294 \uc8fc\ubbfc\ub4e4\uc740 \ud604 \uc11c\ube44\uc2a4\ubcf4\ub2e4 \uc0c8\ub85c\uc6b4 \uc11c\ube44\uc2a4\ub85c \ubcc0\uacbd\ud558\uae38 \uc120\ud638\ud560 \uac83\uc774\ub77c\uace0 \uc608\uce21\ud558\uc600\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">.<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uadf8\ub7ec\ub098 \uacb0\uacfc\ub294 \uc5f0\uad6c\uc790\ub4e4\uc758 \uc608\uce21\uacfc \uc804\ud600 \ub2ec\ub790\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">. <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uba3c\uc800 \ud604 \uc0c1\ud0dc\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub3c4\uac00 \ub192\uc740 \uc0ac\ub78c\ub4e4\uc740 <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">60.2%<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uac00 \ud604\uc7ac \uc11c\ube44\uc2a4\ub97c \uace0\uc218\ud558\uaca0\ub2e4\uace0 \uc751\ub2f5\ud558\uc600\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">. <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uac8c\ub2e4\uac00 \ud604 \uc0c1\ud0dc\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub3c4\uac00 \ub0ae\uc740 \uc0ac\ub78c\ub4e4\ub3c4 \ube44\uc2b7\ud55c \ube44\uc728\uc778 <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">58.3%<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uac00 \ud604\uc7ac \uc11c\ube44\uc2a4\ub97c \uace0\uc218\ud558\uaca0\ub2e4\uace0 \uc751\ub2f5\ud558\uc600\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">. <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc989 \ud604 \uc0c1\ud0dc\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub3c4\ub294 \uc11c\ube44\uc2a4 \uc120\ud0dd\uc5d0 \uc544\ubb34\ub7f0 \uc601\ud5a5\uc744 \ubbf8\uce58\uc9c0 \uc54a\uc558\uace0<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">, <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc624\uc9c1 \ud604 \uc0c1\ud0dc\ub97c \uc720\uc9c0\ud558\uaca0\ub2e4\uace0 \ub300\ub2f5\ud588\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">.<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc774\ucc98\ub7fc \uc0ac\ub78c\ub4e4\uc740 \uc57d\uac04\uc758 \uc190\ud574\ub97c \uac10\uc218\ud558\ub354\ub77c\ub3c4 \uc0c8\ub85c\uc6b4 \uac83\uc73c\ub85c \ubcc0\uacbd\ud558\uae30\ubcf4\ub2e4 \ud604\uc7ac \uc0c1\ud0dc\ub97c \uace0\uc218\ud558\ub294 \uac83\uc744 \uc120\ud638\ud55c\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc774\ub7ec\ud55c \ud604\uc0c1\uc720\uc9c0\ud3b8\ud5a5\uc740 \ubcc0\uacbd\uc5d0 \uc758\ud574 \ud68d\ub4dd\ud560 \uc218 \uc788\ub294 \uc774\ub4dd\uc774 <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">2<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ubc30 \uc774\uc0c1\uc774 \ub420 \ub54c\uc5d0\uc11c \uc0ac\ub77c\uc9c4\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">).<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc774\ub7ec\ud55c \ud604\uc0c1\uc720\uc9c0\ud3b8\ud5a5\uc740 \uc815\uce58\uc801\uc778 \ubb38\uc81c\uc5d0\ub3c4 \uadf8\ub300\ub85c \uc801\uc6a9\ub41c\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">. <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc0ac\ub78c\ub4e4\uc740 \uccb4\uc81c\uac00 \ubcc0\uacbd\ub418\ub294 \uac83\ubcf4\ub2e4\ub294 \ud604 \uccb4\uc81c\uac00 \uacc4\uc18d \uc720\uc9c0\ub418\uae38 \uc6d0\ud558\uace0<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">, <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ud604 \uccb4\uc81c\uc5d0 \uc21c\uc751\ud558\ub294 \uac83\uc5d0\uc11c \uc2ec\ub9ac\uc801 \uc548\uc815\uc744 \ud68d\ub4dd\ud55c\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">.<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uadf8\ub7f0\ub370 \ud55c \uac00\uc9c0 \uc8fc\ubaa9\ud560 \uac83\uc740 \uc800\uc18c\ub4dd \uacc4\uce35\uc774 \uace0\uc18c\ub4dd \uacc4\uce35\ubcf4\ub2e4 \uccb4\uc81c\uc5d0 \uc21c\uc751\ud558\uace0\uc790 \ud558\ub294 \uc131\ud5a5\uc774 \ub354 \uac15\ud558\ub2e4\ub294 \uac83\uc774\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">. <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ubbf8\uad6d \uadfc\ub85c\uc790 <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">1,259<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uba85\uc744 \ub300\uc0c1\uc73c\ub85c \ud55c \uc5f0\uad6c\uc5d0\uc11c \uadfc\ub85c\uc790\ub4e4\uc758 \uc5f0 \uc21c\uc218\uc775<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(income)<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc744 <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">4<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub2e8\uacc4\ub85c \uad6c\ubd84\ud55c \ud6c4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">, <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc815\uce58\uc801 \uc785\uc7a5\uc744 \ubb3b\ub294 \uc124\ubb38\uc744 \uc9c4\ud589\ud558\uc600\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(Jost et al., 2003). <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc18c\ub4dd\uacc4\uce35 \uad6c\ubd84\uc740 \uc5f0\uac04 \uc21c\uc218\uc785\uc774 <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">16,000<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub2ec\ub7ec<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc57d <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">2<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ucc9c\ub9cc\uc6d0<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">) <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc774\uc0c1\uc778 \uc0ac\ub78c\ub4e4\uc744 \ucd5c\uace0\uc18c\ub4dd \uacc4\uce35\uc73c\ub85c<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">, 11,000<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub2ec\ub7ec\ubd80\ud130 <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">15,999<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub2ec\ub7ec\uae4c\uc9c0\ub97c \uace0\uc18c\ub4dd \uacc4\uce35\uc73c\ub85c<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">, 6,000<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub2ec\ub7ec\ubd80\ud130 <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">10,999<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub2ec\ub7ec\uae4c\uc9c0\ub97c \uc800\uc18c\ub4dd \uacc4\uce35\uc73c\ub85c<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">, 6,000<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub2ec\ub7ec \ubbf8\ub9cc\uc778 \uc0ac\ub78c\ub4e4\uc744 \ucd5c\uc800\uc18c\ub4dd \uacc4\uce35\uc73c\ub85c \uad6c\ubd84\ud558\uc600\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">.<\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]-->  <o:p><\/o:p><\/span><\/p>\n<table class=\"__se_tbl_ext\" style=\"border: currentColor; border-image: none; border-collapse: collapse; table-layout: fixed; mso-table-overlap: never;\">\n<tbody>\n<tr>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 66.92pt; height: 29.34pt;\">\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]-->  <o:p><\/o:p><\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 29.34pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">$6,000 &lt;<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 29.34pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">$6,000-$10,999<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 29.34pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">$11,000-$15,999<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 29.34pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">&lt; $16,000<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 66.92pt; height: 18.48pt;\">\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc5b8\ub860\ud1b5\uc81c<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 18.48pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">20.7%<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 18.48pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">14.2%<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 18.48pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">13.8%<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 18.48pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">10.9%<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 66.92pt; height: 18.48pt;\">\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc2dc\ubbfc\uad8c \uc81c\ud55c<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 18.48pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">13.5%<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 18.48pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">7.6%<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 18.48pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">8.9%<\/span><\/p>\n<\/td>\n<td valign=\"middle\" style=\"border-width:1px medium; border-style: solid none; border-color: rgb(0, 0, 0) currentColor; padding: 1.41pt 5.1pt; width: 88.15pt; height: 18.48pt;\">\n<p class=\"0\" style=\"text-align: center; letter-spacing: -0.3pt; -ms-word-break: keep-all; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">5.0%<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">&nbsp;&nbsp;<!--[if !supportEmptyParas]-->&nbsp;<!--[endif]-->&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">&nbsp;<o:p><\/o:p><\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uadf8\ub9ac\uace0 \uad6d\uac00\ubb38\uc81c\uc5d0 \ud544\uc694\ud558\ub2e4\uba74 \uc5b8\ub860\uc744 \ud1b5\uc81c\ud558\ub294 \uc815\ucc45\uc5d0 \ucc2c\uc131\ud558\uaca0\ub294\uc9c0 \ubb3c\uc5c8\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">. <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ud45c<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">-1<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc740 \uac01 \uacc4\uce35\ubcc4 \ucc2c\uc131\ube44\uc728\uc744 \ubcf4\uc5ec\uc900\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">. <\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ud45c<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">-1<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\uc5d0\uc11c \ud655\uc778\ud560 \uc218 \uc788\ub4ef\uc774 \uc18c\ub4dd\uc774 \ub0ae\uc744\uc218\ub85d \uc5b8\ub860 \ud1b5\uc81c\uc640 \uc2dc\ubbfc\uad8c \uc81c\ud55c\uc5d0 \ucc2c\uc131\ud558\ub294 \ube44\uc728\uc774 \ub192\uc558\ub2e4<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">.<\/span><\/p>\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">&nbsp;&nbsp;<!--[if !supportEmptyParas]-->&nbsp;<!--[endif]-->&nbsp;<\/span><\/p>\n<p class=\"0\" style=\"mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">&nbsp;<o:p><\/o:p><\/span><\/p>\n<p class=\"0\" style=\"letter-spacing: -0.3pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">*<\/span><span style=\"font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">\ub354 \uc54c\uace0 \uc2f6\ub2e4\uba74<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">,<\/span><\/p>\n<p class=\"2\" style=\"text-indent: -38.4pt; margin-left: 38.4pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]-->  <o:p><\/o:p><\/span><\/p>\n<p class=\"0\" style=\"text-indent: -52.6pt; letter-spacing: -0.3pt; margin-left: 52.6pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">Hartman, R. S., Doane, M. J., &amp; Woo, C. K. (1991). Consumer rationality and the status quo. <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; font-style: italic; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">The Quarterly Journal of Economics, 106<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(1), 141-162.<\/span><\/p>\n<p class=\"2\" style=\"text-indent: -52.6pt; margin-left: 52.6pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]-->  <o:p><\/o:p><\/span><\/p>\n<p class=\"0\" style=\"text-indent: -52.6pt; letter-spacing: -0.3pt; margin-left: 52.6pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">Jost, J. T., Pelham, B. W., Sheldon, O., &amp; Ni Sullivan, B. (2003). Social inequality and the reduction of ideological dissonance on behalf of the system: Evidence of enhanced system justification among the disadvantaged.&nbsp;European <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; font-style: italic; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">Journal of Social Psychology,&nbsp;33<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(1), 13-36.<\/span><\/p>\n<p class=\"2\" style=\"text-indent: -52.6pt; margin-left: 52.6pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]-->  <o:p><\/o:p><\/span><\/p>\n<p class=\"0\" style=\"text-indent: -52.6pt; letter-spacing: -0.3pt; margin-left: 52.6pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">Kahneman, D., Knetsch, J. L., &amp; Thaler, R. H. (1991). Anomalies: The endowment effect, loss aversion, and status quo bias. <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; font-style: italic; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">The Journal of Economic Perspectives, 5<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">(1), 193-206.<\/span><\/p>\n<p class=\"2\" style=\"text-indent: -52.6pt; margin-left: 52.6pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt;\"><span style=\"font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515;\">  <!--[if !supportEmptyParas]-->&nbsp;<!--[endif]-->  <o:p><\/o:p><\/span><\/p>\n<p class=\"0\" style=\"text-indent: -52.6pt; letter-spacing: -0.3pt; margin-left: 52.6pt; mso-pagination: none; mso-padding-alt: 0pt 0pt 0pt 0pt; mso-font-width: 97%; mso-text-raise: 0pt;\"><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">Samuelson, W., &amp; Zeckhauser, R. (1988). Status quo bias in decision making. <\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; font-size: 10pt; font-style: italic; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\">Journal of Risk and Uncertainty, 1<\/span><span lang=\"EN-US\" style=\"letter-spacing: -0.3pt; mso-fareast-font-family: \ub098\ub214\ubc14\ub978\uace0\ub515; mso-font-width: 97%; mso-text-raise: 0pt;\"><span style=\"font-size: 10pt;\">(1), 7-59.<\/span>&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud604\uc0c1\uc720\uc9c0 \ud3b8\ud5a5\uacfc \uc18c\ub4dd\uacc4\uce35 &nbsp;&nbsp;&nbsp;&nbsp; &nbsp; \ud604\uc0c1\uc720\uc9c0 \ud3b8\ud5a5(status quo bias)\uc740 \ub354 \uc774\ub4dd\uc774 \ub418\ub294 \uc0c8\ub85c\uc6b4 \ub300\uc548\ubcf4\ub2e4 \ub35c \uc774\ub4dd\uc774 \ub418\ub294 \ud604\uc7ac \uc0c1\ud0dc\ub97c \ub354 \uc120\ud638\ud558\ub294 \uc2ec\ub9ac\uc801 \uacbd\ud5a5\uc131\uc744 \uc758\ubbf8\ud55c\ub2e4(Samuelson &amp; Zeckhauser, 1988). &nbsp; \ub300\ud45c\uc801\uc778 \ud604\uc0c1\uc73c\ub85c\ub294 \ubbf8\uad6d \uce98\ub9ac\ud3ec\ub2c8\uc544\uc8fc(California) \uac70\uc8fc\uc790\ub4e4\uc744 \ub300\uc0c1\uc73c\ub85c \ud55c \uc2e4\ud5d8\uc5d0\uc11c \ub098\ud0c0\ub0ac\ub2e4(Hartman, Doane, &amp; Woo, 1991). \uc5f0\uad6c\uc790\ub294 \uce98\ub9ac\ud3ec\ub2c8\uc544\uc5d0\uc11c \uc801\uc6a9\ub418\uace0 \uc788\ub294 \ub450 \uac00\uc9c0 \uc804\ub825\uc218\uae09 \uc11c\ube44\uc2a4 \uc911 \uc8fc\ubbfc\ub4e4 \uac01\uc790\uac00 \uc0ac\uc6a9\ud558\uace0 \uc788\ub294 \uc804\ub825\uc218\uae09 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"jnews_social_meta":[],"jnews_override_counter":[],"footnotes":""},"categories":[22,16],"tags":[],"_links":{"self":[{"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1272"}],"collection":[{"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1272"}],"version-history":[{"count":1,"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1272\/revisions"}],"predecessor-version":[{"id":1273,"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=\/wp\/v2\/posts\/1272\/revisions\/1273"}],"wp:attachment":[{"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1272"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1272"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/happyfinder.co.kr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1272"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}