{
  "version": 3,
  "sources": ["ssg:https://framerusercontent.com/modules/UwqjWEii5arf4cke8Qnd/vNBxN3nMQndwHmBI8h4F/j5iFZHDFF-4.js"],
  "sourcesContent": ["import{jsx as e,jsxs as i}from\"react/jsx-runtime\";import*as a from\"react\";export const richText=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Ce este efectul f\u0103r\u0103 numerar?\"}),/*#__PURE__*/e(\"p\",{children:\"Efectul f\u0103r\u0103 numerar descrie tendin\u021Ba noastr\u0103 de a fi mai dispu\u0219i s\u0103 pl\u0103tim atunci c\\xe2nd nu exist\u0103 bani fizici implica\u021Bi \\xeen tranzac\u021Bie. \\xcenseamn\u0103 c\u0103 avem mai multe \u0219anse s\u0103 finaliz\u0103m o achizi\u021Bie dac\u0103 folosim un card de credit sau alt\u0103 metod\u0103 de plat\u0103 electronic\u0103.\"})]});export const richText1=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Unde apare acest bias \\xeen via\u021Ba real\u0103?\"}),/*#__PURE__*/e(\"p\",{children:\"Imagineaz\u0103-\u021Bi c\u0103 stai \\xeen sec\u021Biunea de electronice la Altex, privindu-te la un televizor nou, elegant. Exact ceea ce c\u0103utai, dar pre\u021Bul \u021Bi se pare destul de \u201Cpiperat\u201D \u2013 un angajament financiar serios. G\\xe2ndul la suma de bani cash pe care ar trebui s\u0103 o sco\u021Bi din portofel te poate determina s\u0103 renun\u021Bi complet la achizi\u021Bie. Leg\u0103tura visceral\u0103 cu banii cash creeaz\u0103 un moment de ezitare.\"}),/*#__PURE__*/i(\"p\",{children:[\"Dar\u2026\",/*#__PURE__*/e(\"strong\",{children:\"efectul f\u0103r\u0103 numerar\"}),\" intr\u0103 \\xeen joc. Cu un simplu tap al cardului de credit sau al aplica\u021Biei de plat\u0103, tranzac\u021Bia devine mult mai pu\u021Bin dureroas\u0103. \\xcen acest context, vorba \u201Cce nu vezi, nu doare\u201D devine real\u0103 \u2013 nefiind banii fizici la vedere, povara emo\u021Bional\u0103 a cheltuirii scade semnificativ. Parc\u0103 e mai u\u0219or, mai fluid, \u0219i mult mai pu\u021Bin stresant. Acest fenomen a mai fost numit \u0219i \",/*#__PURE__*/e(\"strong\",{children:\"efectul cardului de credit\"}),\". Studiile arat\u0103 c\u0103 atunci c\\xe2nd cump\u0103r\u0103m produse de valoare mare, \u201Cdispozi\u021Bia de plat\u0103\u201D (sum\u0103 maxim\u0103 pe care cineva e dispus s\u0103 o pl\u0103teasc\u0103) cre\u0219te dac\u0103 pl\u0103tim cu cardul mai degrab\u0103 dec\\xe2t cash.\"]})]});export const richText2=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Ce mai aduce acest fenomen?\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Popularitatea pl\u0103\u021Bilor electronice\"}),\" a redus mult tranzac\u021Biile cash \u2013 iar mul\u021Bi consider\u0103 c\u0103 purtarea banilor fizici e un risc de securitate. Plata electronic\u0103 pare mult mai abstract\u0103, chiar dac\u0103, uneori, fondurile nici nu exist\u0103 \\xeen contul bancar.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Durerea pl\u0103\u021Bii\"}),\" asociat\u0103 separ\u0103rii de bani fizici treze\u0219te o reac\u021Bie psihologic\u0103 mai puternic\u0103. Lipsa bancnotelor \u0219i monedelor \\xeentrerupe conexiunea mental\u0103 dintre banii cheltui\u021Bi \u0219i valoarea lor.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Vitez\u0103 \u0219i lips\u0103 de fric\u021Biune:\"}),\" pl\u0103\u021Bile cu cardul sau prin aplica\u021Bii sunt rapide, reduc\\xe2nd timpul pe care \\xeel avem s\u0103 ne g\\xe2ndim dac\u0103 chiar ne permitem s\u0103 cheltuim acei bani. F\u0103r\u0103 aceast\u0103 \u201Cfric\u021Biune\u201D ini\u021Bial\u0103, suntem mult mai tenta\u021Bi s\u0103 spunem \u201Cda\u201D \u0219i s\u0103 ne preocup\u0103m de consecin\u021Be mai t\\xe2rziu.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]})})]})]});export const richText3=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Efecte la nivel individual\"}),/*#__PURE__*/e(\"p\",{children:\"Pl\u0103\u021Bile digitale schimb\u0103 nu doar metoda de plat\u0103, ci \u0219i obiceiurile noastre de consum. Suntem mai \u201Cliberi\u201D cu banii atunci c\\xe2nd ace\u0219tia sunt doar cifre \\xeen aplica\u021Bie \u0219i, adesea, cheltuim bani pe care, dac\u0103 am pl\u0103ti cash, nu ni i-am permite.\"}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Aten\u021Bie:\"}),\" Efectul f\u0103r\u0103 numerar poate \\xeengreuna bugetarea \u0219i poate duce la cheltuieli excesive. Interesant e c\u0103 acesta nu se aplic\u0103 c\\xe2nd d\u0103m bac\u0219i\u0219 sau don\u0103m \u2013 doar c\\xe2nd cump\u0103r\u0103m pentru noi \\xeen\u0219ine. Schemele \u201Ccumperi-acum-pl\u0103te\u0219ti-m\\xe2ine\u201D (BNPL) amplific\u0103 \u0219i mai mult deconectarea dintre produs \u0219i banii reali. \\xcen cazuri extreme, risc\u0103m s\u0103 intr\u0103m \\xeen datorii; cei cu datorii au de dou\u0103 ori mai multe \u0219anse de a suferi de tulbur\u0103ri de anxietate sau depresie.\"]})}),/*#__PURE__*/i(\"p\",{children:[\"\\xcen plus, tranzac\u021Biile digitale las\u0103 \",/*#__PURE__*/e(\"strong\",{children:\"urme digitale\"}),\": renun\u021B\u0103m la anonimat, iar platformele ne urm\u0103resc obiceiurile de consum ca s\u0103 ne bombardeze cu reclame \u021Bintite, intr\\xe2ndu-ne rapid \\xeentr-un cerc vicios al cheltuielilor. Aceast\u0103 supraveghere financiar\u0103 poate da putere guvernelor \u0219i ne poate reduce libertatea de alegere.\"]})]});export const richText4=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Efecte la nivel sistemic\"}),/*#__PURE__*/i(\"p\",{children:[\"Practic, majoritatea \u021B\u0103rilor dezvoltate func\u021Bioneaz\u0103 acum \\xeentr-o \",/*#__PURE__*/e(\"strong\",{children:\"\u201Csocietate cashless\u201D\"}),\". \\xcen trecut, exista schimb de m\u0103rfuri f\u0103r\u0103 cash, dar acum aproape totul se \\xeent\\xe2mpl\u0103 digital \u2013 banii \u201Ctrec din m\\xe2n\u0103-n m\\xe2n\u0103\u201D doar prin Internet^1. Criptomonedele, precum Bitcoin, reprezint\u0103 cea mai nou\u0103 faz\u0103 a acestei tendin\u021Be.\"]}),/*#__PURE__*/e(\"p\",{children:\"Pandemia COVID-19 a accelerat \u0219i mai mult adoptarea pl\u0103\u021Bilor contactless, magazinele interzic\\xe2nd adesea cash-ul pentru a limita contactul fizic. \\xcen plus fa\u021B\u0103 de reducerea riscului de \\xeemboln\u0103vire, societ\u0103\u021Bile cashless amplific\u0103 efectul f\u0103r\u0103 numerar.\"}),/*#__PURE__*/e(\"p\",{children:\"Totu\u0219i, pl\u0103\u021Bile digitale pot stimula cre\u0219terea economic\u0103: un studiu Boston Consulting Group arat\u0103 c\u0103 tranzi\u021Bia la pl\u0103\u021Bi digitale poate cre\u0219te PIB-ul anual cu p\\xe2n\u0103 la 3 puncte procentuale. Exemple de succes, ca Suedia, au redus economia \u201Cneagr\u0103\u201D, au \\xeent\u0103rit comer\u021Bul online \u0219i au diminuat fraudele dup\u0103 renun\u021Barea la cash.\"})]});export const richText5=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Efectul invers al cashless-ului\"}),/*#__PURE__*/e(\"p\",{children:\"Pe m\u0103sur\u0103 ce pl\u0103\u021Bile cash au sc\u0103zut, s-a dezvoltat obiceiul de a urm\u0103ri cheltuielile prin aplica\u021Bii bancare. Tinerii (16\u201324 ani) v\u0103d, paradoxal, cash-ul ca pe \u201Cbani gratis\u201D \u2013 pentru c\u0103 sustrag\\xe2nd bani din portofel nu le schimb\u0103 imediat soldul digital.\"}),/*#__PURE__*/i(\"p\",{children:[\"Pentru genera\u021Biile mai \\xeen v\\xe2rst\u0103, pl\u0103\u021Bile digitale \u201Cnu se simt reale\u201D, dar pentru Genera\u021Bia Z, n\u0103scut\u0103 digital, cash-ul e chiar mai pu\u021Bin palpabil. A\u0219a se na\u0219te \",/*#__PURE__*/e(\"strong\",{children:\"efectul invers\"}),\": tinerii devin mai precau\u021Bi la carduri \u0219i pl\u0103\u021Bi electronice. Trenduri TikTok precum \u201Ccash stuffing\u201D (bani fixa\u021Bi \\xeen plicuri pentru categorii de cheltuieli) \\xeei ajut\u0103 deja s\u0103 economiseasc\u0103.\"]})]});export const richText6=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"De ce apare?\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Lipsa tangibilit\u0103\u021Bii banilor digitali\"}),\" ne face greu s\u0103 evalu\u0103m ce pierdem. S\u0103 dai cardul \\xeenseamn\u0103 doar s\u0103 dai o bucat\u0103 de plastic, care \\xeen sine nu valoreaz\u0103 mare lucru.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[\"Conceptul de \",/*#__PURE__*/e(\"strong\",{children:\"\u201Cdurerea pl\u0103\u021Bii\u201D\"}),\" spune c\u0103 d\u0103ruirea de bani fizici activeaz\u0103 zone din creier asociate cu durerea real\u0103. Al\u021Bii spun \\xeens\u0103 c\u0103 e vorba de lipsa r\u0103spunsului de \u201Creward\u201D (pl\u0103cere), care apare mai pregnant la carduri dec\\xe2t la cash. Interesant, notific\u0103rile de plat\u0103 de pe telefon evoc\u0103 aceea\u0219i \u201Cdurere\u201D ca \u0219i banii fizici.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Bias-ul de proiec\u021Bie \"}),\"(projection bias): supraestim\u0103m c\\xe2t de asem\u0103n\u0103toare ne vor fi opiniile sau situa\u021Bia financiar\u0103 viitoare cu cele prezente \u0219i putem face decizii scurt-v\u0103z\u0103toare care ne bag\u0103 \\xeen datorii.\"]})})]}),/*#__PURE__*/i(\"p\",{children:[\"\\xcen Mexic, marile magazine \u0219i afacerile mici ofer\u0103 \u201Cmeses sin intereses\u201D (luni f\u0103r\u0103 dob\\xe2nd\u0103): po\u021Bi lua orice, de la tricou la pat, \u0219i pl\u0103te\u0219ti taxa \\xeen rate f\u0103r\u0103 dob\\xe2nd\u0103 timp de p\\xe2n\u0103 la 24 de luni. 66% dintre posesorii de carduri de credit folosesc acest sistem, \\xeen ciuda gradului ridicat de \\xeendatorare din multe gospod\u0103rii\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]})]});export const richText7=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Importan\u021Ba subiectului\"}),/*#__PURE__*/e(\"p\",{children:\"Dac\u0103 am fi ra\u021Bionali, mecanismul de plat\u0103 nu ar influen\u021Ba deciziile de cump\u0103rare. Dar efectul f\u0103r\u0103 numerar ne arat\u0103 contrariul: consumul nostru cre\u0219te c\\xe2nd nu trebuie s\u0103 scoatem cash din portofel. Deciziile ira\u021Bionale pot duce la cheltuieli excesive, datorii \u0219i stres.\"}),/*#__PURE__*/e(\"p\",{children:\"Av\\xe2nd \\xeen vedere omniprezen\u021Ba pl\u0103\u021Bilor digitale, e esen\u021Bial s\u0103 con\u0219tientiz\u0103m cum diferitele metode ne influen\u021Beaz\u0103 comportamentul de consum. Chiar dac\u0103 nu putem evita pl\u0103\u021Bile electronice, con\u0219tientizarea efectului f\u0103r\u0103 numerar ne poate ajuta s\u0103 fim mai aten\u021Bi c\\xe2nd cheltuim \u0219i s\u0103 lu\u0103m decizii care se potrivesc bugetului \u0219i obiectivelor financiare.\"})]});export const richText8=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Impactul social al unei societ\u0103\u021Bi f\u0103r\u0103 numerar\"}),/*#__PURE__*/e(\"p\",{children:\"Mul\u021Bi oameni sunt exclu\u0219i dintr-un sistem cashless: adolescen\u021Bi, familii cu venituri mici, persoanele f\u0103r\u0103 ad\u0103post \u2014 to\u021Bi folosesc mai degrab\u0103 cash. \\xcen 2021, 5,9 milioane de gospod\u0103rii americane erau \u201Cunbanked\u201D, adic\u0103 f\u0103r\u0103 conturi curente sau de economii. Tranzi\u021Bia la pl\u0103\u021Bi digitale a avut impact dispropor\u021Bionat asupra celor mai vulnerabili.\"}),/*#__PURE__*/e(\"p\",{children:\"\\xcen noiembrie 2016, guvernul Indian a demonetizat bancnotele de 500 \u0219i 1000 de rupii, sco\u021B\\xe2nd din circula\u021Bie circa 86% din cash. Politica a afectat grav gospod\u0103riile rurale s\u0103race din West Bengal, care au v\u0103zut veniturile sc\u0103z\\xe2nd cu 15,5% \\xeen cele dou\u0103 luni urm\u0103toare.\"}),/*#__PURE__*/e(\"p\",{children:\"Totu\u0219i, fintech-urile dezvolt\u0103 solu\u021Bii de incluziune financiar\u0103. \\xcen Africa, M-PESA ofer\u0103 servicii bancare pe mobil celor f\u0103r\u0103 cont bancar: transfer de bani, \\xeenc\u0103rcare credit, pl\u0103\u021Bi facturi, salarii \u0219i \\xeemprumuturi.\"})]});export const richText9=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Cash vs. crypto\"}),/*#__PURE__*/e(\"p\",{children:\"Apari\u021Bia criptomonedelor amplific\u0103 efectul f\u0103r\u0103 numerar: tranzac\u021Biile sunt \u0219i mai intangibile \u0219i rapide dec\\xe2t prin metodele digitale tradi\u021Bionale. Blockchain-ul face transferurile aproape invizibile, reafirm\\xe2nd c\u0103 \u201Cnu vezi, nu doare\u201D. Bitcoin, Ethereum \u0219i altele vin cu comisioane reduse \u0219i un control descentralizat, \\xeencuraj\\xe2nd cheltuielile digitale. Totu\u0219i, cum spune Lachlan Schomburgk (Uni. Adelaide), aceste metode sunt \\xeenc\u0103 prea pu\u021Bin studiate \\xeen rela\u021Bie cu comportamentul nostru de plat\u0103.\"})]});export const richText10=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Cum s\u0103-l evit\u0103m\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Folosirea cash-ului\"}),\" r\u0103m\\xe2ne cea mai bun\u0103 barier\u0103, dar nu \\xeentotdeauna e posibil sau convenabil.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Buget \u0219i \u201Czile de reflec\u021Bie\u201D\"}),\": stabile\u0219te-\u021Bi un plan, a\u0219teapt\u0103 c\\xe2teva zile \\xeenainte s\u0103 faci o cheltuial\u0103 mare.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Limite de credit\"}),\": seteaz\u0103-\u021Bi praguri care s\u0103 corespund\u0103 bugetului lunar, nu limitele maximale oferite de banc\u0103.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Aplica\u021Bii de monitorizare a cheltuielilor\"}),\": multe b\u0103nci au instrumente integrate de urm\u0103rire a cheltuielilor \u0219i economiilor. Dac\u0103 nu, exist\u0103 aplica\u021Bii precum ETMoney, Qykly, mTrakr, Chillr, intuitmint sau Goodbudget \u2014 dar ai grij\u0103 la partajarea datelor \u0219i la nivelul de criptare (60% din aplica\u021Bii \\xee\u0219i \\xeemp\u0103rt\u0103\u0219esc datele cu ter\u021Bi)\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]})})]})]});export const richText11=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Cum a \\xeenceput totul\"}),/*#__PURE__*/e(\"p\",{children:\"Elizabeth Hirschman a fost prima care, \\xeen 1979, a studiat fenomenul \u2013 de\u0219i nu i-a zis \u201Cefectul f\u0103r\u0103 numerar\u201D. Ea a sondat cump\u0103r\u0103torii dintr-un lan\u021B de magazine, \\xeentreb\\xe2ndu-i ce produse cump\u0103raser\u0103 \u0219i cum pl\u0103tiser\u0103. A observat c\u0103 cei cu card de magazin sau de credit f\u0103ceau cump\u0103r\u0103turi mai mari dec\\xe2t cei care pl\u0103teau cash, iar cei cu ambele carduri cheltuiau cel mai mult. Hirschman a concluzionat c\u0103 diversitatea metodelor de plat\u0103 cre\u0219te cheltuielile \u0219i anticipa c\u0103, odat\u0103 cu apari\u021Bia unor noi forme de plat\u0103, efectul va cre\u0219te.\"})]});export const richText12=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Impact asupra produselor\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Upselling\"}),\": pl\u0103\u021Bile cashless reduc fric\u021Biunea \u0219i \\xeencurajeaz\u0103 upgrade-uri la versiuni premium sau extra-features, pentru c\u0103 e mai u\u0219or s\u0103 bifezi o op\u021Biune mai scump\u0103 \\xeen procesul de checkout.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Modele de abonament\"}),\": plata automat\u0103 recurent\u0103 faciliteaz\u0103 angajamente pe termen lung (streaming, software), dar pot genera surprize nepl\u0103cute dac\u0103 uit\u0103m c\u0103 ne re\\xeennoiesc automat.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Produse digitale\"}),\": e-books, art\u0103 digital\u0103, bunuri virtuale \u2013 toate s-au \\xeenmul\u021Bit odat\u0103 cu cashless-ul. Arti\u0219ti precum David Hockney sau Rachel Whiteread picteaz\u0103 acum \u0219i \\xeen spa\u021Biul digital.\"]})})]})]});export const richText13=/*#__PURE__*/i(a.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:\"Efectul f\u0103r\u0103 numerar \u0219i AI\"}),/*#__PURE__*/e(\"p\",{children:\"AI amplific\u0103 \u0219i mai mult acest efect: checkout cu un click, cump\u0103r\u0103turi vocale, eWallet-uri, pl\u0103\u021Bi mobile \u2013 toate reduc fric\u021Biunea mental\u0103 a cheltuirii. Pe de alt\u0103 parte, AI-ul din aplica\u021Biile bancare ofer\u0103 sfaturi personalizate de economisire \u0219i avertismente \\xeen timp real. Tot AI-ul ajut\u0103 \u0219i la \u201Cv\\xe2n\u0103toarea de oferte\u201D online: 44% dintre tineri apeleaz\u0103 la asisten\u021Bi AI pentru reduceri \u0219i sugestii de cadouri de ultim moment.\"}),/*#__PURE__*/e(\"p\",{children:\"EXEMPLE PRACTICE:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Achizi\u021Bii mici\"}),\": Dilip Soman (Univ. Toronto) a comparat sp\u0103latul rufelor pe monede vs. card prepl\u0103tit. Coin: doar 44% separau culorile; card: 60%, apoi 65% dup\u0103 16 luni. 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