Heuristic #40: IGNORING FRAMES. How a problem is framed determines our choices more than purely rational considerations would imply. More drivers sign the “donate organ” card when they have to check the opt-in box, than drivers who must check the opt-in box. We are more willing to pay extra for gas when using a credit card (vs. cash) if the fee is framed as “loss of cash discount” than “added credit card surcharge.”