Comfort letters ordinarily are: 
Definitions:
Default Options
Pre-selected choices or settings designed to simplify decision-making by assuming a standard action unless an alternative is specified.
Status Quo Bias
A cognitive bias that leads individuals to prefer things to stay the same by resisting change or new alternatives.
Behavioral Economics
A field of economic research that examines how psychological, cognitive, emotional, cultural, and social factors affect economic decisions made by individuals and institutions.
Decision Making
The cognitive process of selecting a course of action among multiple alternatives.
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