 In this section, I will talk about another factor that causes bias in the financial decision making and that is because of the using or misusing of information. So researchers have identified a lot of factors that our financial decisions are not rational, they can be irrational, one of the important elements is that we take the information that we have and use it properly to take the wrong decision or misuse it to take the wrong decision. This means that there is one such concept, there is a concept of anchoring that I am going to use to explain the using or misusing of information. Anchoring means that we take the information that we have heard or told you before and influence it on the basis of that particular information. This means that suppose you have gone to buy something in the market, in a shop and the initial price you have asked salesman or shopkeeper to buy something, he has quoted you the price, for example he tells you that this pen is of Rs. 500, so you are going to buy this eventually, so you will decide the price for it, eventually, whatever bargaining you do, it will be close to Rs. 500, i.e. it will be Rs. 490, Rs. 470, approximately. You will decide the eventual price of the information that you have been told about this particular pen, this means that what he has told you before, your decision has anchored it and used it to make your eventual decision. So whatever, similarly if he tells you the price of Rs. 500, he tells you the initial price of Rs. 300, so you will decide the price and eventually you are going to buy this particular pen, it will be around Rs. 350. So similarly when we see something in the market that is being bid on this scheme, your decision is to keep an eye on that particular price and use it to make your eventual decision, irrespective of the fact that the data or historical movements or trend analysis is telling you everything. So this is another important thing which we need to look at, another thing which creates misinformation bias, that is availability bias. Availability bias means that if something has crashed in the stock market or the stock exchange index has performed well in the stock market, so whatever you are going to be trading or whatever you are going to be decision making, that particular happenings will have an impact, so that results in availability bias that you influence your decision in the context. The next important thing is the representative bias and in representative bias we see that whatever information you have, whether it is superficial information or whatever you think is representing something, you take your decision on the basis of that and that could also be ending up in taking a bad decision that because of representative bias you could have taken a better decision if you had taken better information. But whatever was there, representing the information about something, a stock or a share or any financial instrument, you made your decision on the basis of that and the chances of that decision to be better were that if you had taken further information or further probe that particular financial instrument, that representative bias can also lead to bad decisions.