Examlex
A formal program of risk retention for an individual that takes on the insurance company's role in order to cover the individual's risk is:
Scapegoating
The practice of unfairly blaming an individual or group for problems or negative outcomes, often to divert attention from the real causes.
Implicit Association
The subconscious linking of two concepts or objects, which can influence attitudes, beliefs, and behaviors without the individual's awareness.
Other-Race Effect
A bias toward recognizing faces of the race one has the most exposure to, typically their own race.
Ingroup Bias
The inclination to prefer one's own group to other groups.
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