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  3. The psychology of warranties Protection racket 保单心理学保护之诈 If extended guarantees are overpriced,

The psychology of warranties Protection racket 保单心理学保护之诈 If extended guarantees are overpriced,

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问题                     The psychology of warranties Protection racket
                            保单心理学保护之诈
    If extended guarantees are overpriced, why are they so popular?
    CUSTOMERS tend to agonise over the relative merits of different models of electronic goods such as digital cameras or plasma televisions. But when they get to the till, many spend freely on something they barely think about at all: an extended warranty, which is often more profitable to the retailer than the device it covers.
    Shoppers typically pay 10-50% of the cost of a product to insure it beyond the term covered by the manufacturer’s guarantee. 【R1】______Yet products rarely break within the period covered, and repairs tend to cost no more than the warranty itself. 【R2】______
    So why, asks a paper published in the December issue of the Journal of Consumer Research, so many consumers still buy extended warranties? The authors — Tao Chen of the University of Maryland, Ajay Kalra of Rice University and Baohong Sun of Carnegie Mellon University — examined purchase data from a big electronics retailer for over 600 households from November 2003 to October 2004. 【R3】______
    If a customer is about to buy something fun(ie, a plasma television rather than a vacuum cleaner), he will be more inclined to splash out on extra insurance. This is because consumers value "hedonic" items over utilitarian ones, regardless of the actual price tag. 【R4】______The study also found that poorer consumers are more likely to buy " potentially unnecessary and overpriced insurance" , because they are more worried about the expense of replacing a product if it breaks.
    【R5】______But although most policies go unused, he admits that the emotional tranquillity that comes with buying a new warranty is not in itself without value, even if "rationally, it doesn’t make sense".
A. This is especially true if the item is on sale, as finding an unexpected bargain leaves buyers feeling flush and pleased.
B. The terms of these deals vary(and there is often a great deal of fine print), but they usually promise to repair or replace a faulty device for between one and four years.
C. Only in the present century has one species man acquired significant power to alter the nature of his world.
D. This is because consumers are more likely to buy "hedonic" items.
E. They concluded that the decision to buy a warranty had a great deal to do with a shopper’s mood.
F. The popularity of warranties should logically depend on the likelihood of a product’s failure, says Mr. Kalra.
G. That makes warranties amazingly profitable: they generate over $ 16 billion annually for American retailers, according to Warranty Week, a trade journal.
【R1】
选项
答案B
解析 空前提到the term，在这里是“条款，期限”的意思，选项B的The terms正好与之照应，而且空后提到产品在保期内不大会损坏，并且维修的费用也不会超过保证书承诺的额度的信息，products，repairs分别与选项B里的these deals，repair or replace a faulty device吻合，故答案为B。句意为保险协议的条款各有不同(经常是一大堆难懂的条文)，但通常都会承诺在1到4年内可以维修或更换出毛病的产品。
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