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choice model complexity consumer utility question decision effect probability alternative preference difference result estimate respondent effort value condition level product risk aversion parameter measure rating table household number section attribute period function error aversion journal accuracy interest response variable probability equivalence questions panel complexity conditions research increase income lottery choice sets choice model performance decision time scale marketing logit design probability weighting function choice complexity rotation strategy analysis ® nancial matters variance efficiency answer asset attitude estimation performance process variation theory choice questions house behavior risk attitudes survey individual option coefficient index nancial rotation period donker