Another interesting finding was the self-constraining action taken by the
home accountants, most of whom behaved as though aware of their own
``dynamic inconsistency'' (Thaler, 1992). In fleeting moments of economic
rationality, our home accountants seemed not to trust themselves to be
financially sensible in the future. Their long-sighted, economic selves acted to
constrain their ``other'', myopic selves by taking irreversible steps such as