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As a general rule, independent agencies are
Simulation Heuristic
The tendency to judge the frequency or likelihood of an event by the ease with which you can imagine (or mentally simulate) it.
Representativeness Heuristic
The tendency to judge the frequency or likelihood of an event by the extent to which it resembles the typical case.
Actor/observer Bias
The tendency to attribute one's own actions to external factors while attributing others' actions to their character or disposition.
Heuristics
Mental shortcuts or rules of thumb that simplify decision-making processes but sometimes lead to biased or inaccurate judgments.
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