Ian Moore

Decision Making and the Brain

CARRI welcomes Ian Moore as our guest blogger. Mr. Moore specializes in the psychology of decision making and how, by understanding how we make decisions, we can improve the way we make decisions. He is the author of several books on the topic and also runs a variety of workshops, gives keynote presentations, and facilitates group sessions. Today’s blog details the connection between decision making and resilience. For more information please visit http://www.unthinkablethinking.com or email ian@unthinkablethinking.com.

My personal fascination is about how we make decisions, and the articles that I will be writing for this blog are about decision making and how, by understanding some of the ways that we make decisions, we can improve our decision making.

 What has decision making got to do with resilience? When we are planning to create a more resilient group or organization, we are constantly making decisions about how we can best do this and what threats we need to take into consideration. On the personal side when we experience a crisis situation, we are making decisions for ourselves and others. Unfortunately in all these situations our decision making processes are subject to a number  of built in biases; however if we can understand these biases, then we are in a position where we can develop techniques and ways of thinking to counteract these innate biases.

It is difficult to clearly quantify how much poor decisions cost either in monetary terms or in lives and suffering, but it would seem obvious that even a small improvement in our decision making could have really significant benefits. In this article I would like to introduce some of the ideas that I will be developing in future articles.

I will start by stating the obvious – we make decisions with our brains. But let us consider what our brains are for. They have evolved over hundreds of thousands of years to help us survive, and to that end they are highly effective decision making instruments. However, in modern day situations these mechanisms for decision making may not be the best. So rather than spending time on developing sophisticated decision making strategies it is bound to be useful to understand some of the mechanisms that our brains have developed to make decisions. By understanding these mechanisms we can become sensitized to their shortcomings and so develop approaches to counteract these shortcomings and thus make better decisions.

We can make better decisions. The good news is that we have a brain! In our brain we have over ten thousand million neurons, and the number of possible interconnections between these neurons is 10 followed by 100 zeros. We have an immensely complex piece of machinery in our brains. However, is the brain fixed in the way it processes information?

In order to drive a traditional black cab in London, a taxi driver has to pass ‘the knowledge’. This is a test about the streets of London and the best way to navigate around them. It has been known for some time that the hippocampus, an area of the brain, is responsible for processing geographical information. In the year 2000 a team from University College London scanned the brains of some taxi drivers and found that their hippocampuses were bigger than those of normal people. This is a really significant finding! It shows that exercise and practice can physically develop areas of the brain and increase the connectivity of the neurons.

The bad news is that the brain has a very specialist design. It has evolved over hundreds of thousands of years for survival purposes and not necessarily for making the best decisions. Part of the specialist design is our memory systems. When brain scans are done on chess players some interesting results are found. Masters and Grand Masters seem to have activity towards the rear of the brain which is normally associated with our memory systems. Less competent chess players tend to have most activity towards the front of the brain, in the pre-frontal cortex, which is normally associated with decision making. When we make decisions are we using our memory of past situations or analysing each situation anew?

Large areas of our brains have developed for pattern recognition. This is obviously useful for recognizing objects and faces. Unfortunately we also tend to see patterns when there are actually none there.

Our brains are also very good at establishing habits. These are very useful ’short cuts’ to our decision making processes. We don’t need to think about everything that we come across on a daily basis. Let’s have a look at one habit we have developed – how we fold our hands.

So let’s try it out. I’d like to ask you to fold your hands. If you look at your hands you will notice that one index finger is above the other one. When we are young we have to learn to fold our hands like this. Each way is equally likely at this point. However a habit quickly forms and one way becomes dominant. When we are older we will usually only fold our hands in one way. So for most of our lives we have been folding our hands in only one way. You would think that a habit as well established as that would be hard to break. But let’ try this. Try folding your hands so that the other index finger is on top. What does it feel like? Most people find this quite uncomfortable but bear with me for a moment. Let’s try slowly folding our hands back to the original position and slowly back again to the second position. And then back again, and back again, and back again, and back again, and back again, and finally back again. Now just shake your hands. So let’s try it again. I’d like to ask you to fold your hands again. Can you remember if this is the way you did it originally?

What’s interesting about this is that most people, after only five repetitions, feel much less awkward. Some people cannot even tell the difference any more. This is a very simple example of how a life-long habit can be overturned (or at least lessened) by only five practices at doing it a different way.

We have seen that our brains have some limitations when it comes to decision making.

The good news is that if we understand what these limitations are, we can reprogram even long established habits. We can also grow parts of our brain.

So if we can understand how our decision making works, we can spot the deficiencies in our decision making. Knowing what these deficiencies are, we can take countermeasures to improve them.

John Plodinec

Remembrance, Renewal, Resilience

On September 8th, CARRI co-hosted the 9/11 10th Anniversary Summit in Washington, DC.  Entitled Remembrance, Renewal, Resilience, the event saw the premiere of four videos, each reflecting a different facet of the theme.  Together, the videos were always inspiring, often poignant, and sometimes funny – in a way that that showed resilience not as a passive virtue but as an active force in people’s lives.

Boatlift tells the sadly under-reported story of the marine evacuation of Manhattan on 9/11.  In 9 hours, almost half a million people were evacuated in all manner of boats – more people than were evacuated from Dunkirk in nine days!  This operation was called for by a Coast Guard lieutenant (on his own) and coordinated with a wide array of maritime organizations and individual vessel captains.  The scenes with the gravelly-voiced captain of the fishing scow Amberjack V were perhaps the most affecting of the day, as he talked about never wanting to have to say “I should have.”

Wounded Warriors focuses on a few of the “wounded warriors” from our mid-East conflicts.  It demonstrates forcefully their resilience in the face of devastating wounds, finding opportunities for themselves in the midst of their personal disasters.  In the panel discussion after the video presentation, Denis Oliverio (who had been wounded while warning others from the top of his tank) typified the upbeat feelings of the wounded warriors when asked what he would do differently – “Duck!”

Gulf Coast Resilience is a paean to the resilient spirit of those on the Mississippi Gulf Coast.  Mayor George Schloegel (Gulfport) told amazing stories about getting the Hancock Bank back into business after Katrina, while Chief Pat Sullivan and Bill Stallworth portrayed the human impacts so well.  After the video, Governor Haley Barbour accepted the first Community Resilience Award on behalf of the Mississippi Gulf Coast.

Renewal is a glimpse into the near future of the World Trade Center site.  The two cascading pools of water where the Twin Towers were are belted with a bronze ribbon honoring the names of those who died.  The new One World Trade Center skyscraper will make a statement while being the safest building in the world.  But, for me, the real star is the World Trade Center transportation hub that will open in about two years – a beautiful representation of a bird taking flight – it will be as striking in its setting as the Opera House is in Sydney Harbour. 

Interspersed among the videos were talks from a diverse group of speakers, each speaking to one or more aspects of the theme:  Homeland Security Secretary Janet Napolitano; Mary Fetchet, Executive Director of the Voices of September 11th; FEMA Administrator Craig Fugate; Secretary of Defense Leon Panetta; former Secretary of State Madeline Albright; Mississippi Governor Haley Barbour; representatives from Canada; the chairman of the Rockefeller Foundation, and others.  The story of Gander, which more than doubled in size when on 9/11 planes from foreign lands were diverted there – the friendship and kinship with we Americans they showed – was a quiet coda to the earlier stories of resilience.

Closing the event, Warren Edwards announced the names of the 7 leading communities who will be the initial pilots for CARRI’s Community Resilience System (CRS):  Anaheim, CA; Anne Arundel County and Annapolis, MD; the Charleston (SC) Low Country Area; Gadsden, AL; Greenwich, CT; the Mississippi Gulf Coast; and Mount Juliet, TN.  These communities will use the CRS to enhance their resilience and at the same time will provide feedback to CARRI so that we can improve its usability and usefulness.

Arthur (Andy) Felts

It can’t happen to me

As we watched Irene skirt along the East Coast, it became very clear that many buildings in both coastal and inland communities could see serious flooding. Also of note was that evidently many owners do not have flood insurance.

Many may not know that regular homeowner’s insurance does not cover flooding. This was the reason for protracted legal cases on insurance reimbursement after Katrina. If a home was destroyed by water (flood), then private insurers did not have to reimburse for damages. If the owner had enough foresight to buy flood insurance—separately purchased through an insurance agent but backed by the US government’s National Flood Insurance Program (NFIP)—then they would be reimbursed. If the home was destroyed by wind, then private insurance would cover—but when a home was simply gone in an area that had both high wind and water, it was very difficult to say which destroyed it.

Homes and buildings in high-risk flood areas with mortgages from federally regulated or insured lenders are required to have flood insurance. But many homes that could flood in an exceptional event are not required to have flood insurance. Such homes are not within a FEMA defined “flood zone.”

 Zones that begin with “A” or “V” are high-risk flood zones, and the purchase of flood insurance is federally mandated on loans secured by properties located in communities that participate in the National Flood Insurance Program. Zones “C,” “B,” and “X” have a lower risk of flooding, and the federal mandatory purchase requirements do not apply. “V” flood zones are on the coast and are subject to wind-driven water, i.e., waves. “A” zones are subject to a 1% or greater chance of flooding in any given year; in short, they are in the 100-year flood plain.

Since most people buy their homes with a mortgage, if they are not required to buy flood insurance they assume they do not need it. With water forced many miles inland and torrential rains, many Katrina property owners found out the hard way that they were not going to be reimbursed or only partially reimbursed for their loss.

Access to outside resources—in this case, insurance money—is a critical part of community resilience. In lower flood risk areas, NFIP-backed insurance can be as low as $129 a year. That seems like a very small amount to insure against the risk of total loss.

Resilient communities build public awareness of the risks they face and the potential losses—they do not rely on mortgage companies to tell them their risk. No doubt many without flood insurance wished they had known this as they watched Irene move up the coast.