BEAR is a research centre at Rotman School of Management that conducts academic and field research, helps our partners accomplish behaviour change through better touchpoints and interventions, and encourages a culture of experimentation and data collection to design empirically informed business practices and evidence based policies. For more information, visit www.rotman.utoronto.ca/BEAR Follow us on Twitter: @UofT_BEAR Rotman School of Management: www.rotman.utoronto.ca