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Freakonomics Radio

The World Is (Still) Drowning in Sludge

June 24, 202654 min

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Insurance forms that make no sense. Subscriptions that can’t be cancelled. A never-ending blizzard of automated notifications. In this update of a 2025 episode, Stephen Dubner discovers where all this sludge comes from — and how much it’s costing us. SOURCES: Benjamin Handel, professor of economics at UC Berkeley. Neale Mahoney, professor of economics at Stanford University. Richard Thaler, professor of economics at The University of Chicago.

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