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{{comic | number = 6227 | date = December 3, 2021 | title = adverse | image = 1638547883-20211203.png | votey = 163854827320211203after.png | titletext = I'm just here in the hopes that the standard college explainer comic on adverse selection involves clown murder. }} ==Explanation== {{incomplete}} ==Transcript== {{Computertranscript}} :[Describe panel here] :Kid, why are children afraid of clowns? :If you have a health insurance pool and healthy people leave, premiums have to increase since the overall population is sicker. :Adverse selection. :That drives out the healthiest people in the remaining group, increasing premiums for those who remain. Iterate this process long enough and the system breaks. :so :Suppose kids are just a little afraid of clowns. :In that case the people least comfortable terrifying children will not become clowns. Thus clowns become objectively more terrifying, prompting kids to be more scared, driving out the least-scary remaining clowns. :At this point in the process, a rational child should assume anyone still willing to go into clowning :Is objectively to be feared. :Son of a bitch! :smbc-comics.com ==Votey Transcript== {{Computertranscript}} :[Describe panel here] :You really sucked the joy out of serial murder, kid. :c. of {{comic discussion}} [[Category:Comics tagged economics]] [[Category:Comics featuring Clowns]]
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