Ответ на 3 вопроса

1. (3 points) Imagine that your friend works as a manager in a large company. Once in an informal conversation, he or she expresses the following thesis: formal rules are always more effective than informal ones. Do you agree with him/her? Prove your position using at least one example.
2. (3 points) Give an example of a credence good (explain why this good can be explicitly attributed to the “credence goods” type). Which cost you could face buying such goods and how institutions could help to minimize them?
3. (4 points) Imagine that you are working as an analyst in a medium-sized private bank. Your boss wants to analyze the bank's resilience to the crisis and is also interested in network analysis. Suggest a study design that will fulfill this desire. Briefly describe your research questions and the data you will collect.