Behavioral Problems

The word ‘behavior' very often invokes the concept of mis-behavior.  Perhaps it is because we more often hear about a person or organization's poor conduct rather than good conduct?  While this observation may be enlightening, you may by now be snickering ‘what does this have to do with finance?'  Before I answer, let us segue with two questions:  What are the last two digits of your Social Security number?  Next, what is the maximum dollar amount you would pay for an average bottle of wine?