1. Implied Consent

A. PURPOSE AND BACKGROUND
The present research study is aimed at understanding what factors (e.g., personality, emotions, and attitudes) may influence our preferences for certain consumer goods/services. The researcher, Ryan T. Howell, is a professor of psychology at San Francisco State University. You have been invited to participate in the study because you are an eligible adult and/or an undergraduate student at San Francisco State University. This study has been approved by the San Francisco State University Institutional Review Board.

B. PROCEDURES
If you agree to participate in this research study, the following will occur:

You will respond to a series of survey questions regarding your feelings about your use of money, your purchasing behavior, your overall level of well-being, as well as some demographic questions. The researcher anticipates that your involvement will take between 45 to 60 minutes. You will be debriefed at the end of this study.

C. RISKS
This study creates a minimal risk of loss of privacy. Privacy will be protected by keeping all data on a password-protected computer or in a locked cabinet and by not using names to label data. The researcher and his graduate students will be the only people with access to the data.

There is also a risk that you may feel discomfort due to either the study procedure or the nature of the questionnaires; however, you are welcome to leave any question(s) unanswered and may decide to end your participation at any time. In addition, if you experience any distress after the study is completed, the San Francisco State University Counseling and Psychological Services Center can be reached at (415) 338-2208; the center is open Monday through Thursday, 8AM to 12PM and 1PM to 7PM, and Friday 8AM to 12PM and 1PM to 5PM. Students are offered free psychological counseling in Room 208 of the Student Services Building.

D. CONFIDENTIALITY
All of your responses will be anonymous. The research data will be kept in a secure location, used only for research purposes, and only the researchers will have access to the data. At the conclusion of the study, all identifying information will be removed and the data will be kept in a locked cabinet or office.

E. DIRECT BENEFITS
There will be no direct benefits to you for participating in this research study.

F. COSTS
There will be no cost to you for participating in this research.

G. COMPENSATION
You may have the option of entering a raffle for one of 10 gift certificates, valued at $25 each.

A raffle will be held every 3 months or after 1000 participants have completed the study. In the past, about 250 participants have completed our surveys per month.

H. ACADEMIC CREDIT
For SFSU students: you may earn extra credit for participation in this research, depending on your instructor. If your instructor does provide extra credit, then he or she will also offer alternative forms of extra credit that do not require research participation.

I. ALTERNATIVES
The alternative is not to participate in the research.

J. QUESTIONS
If you have any questions about the study, please contact the principle investigator, Ryan T. Howell, at rhowell@sfsu.edu, before participating.

Questions about your rights as a study participant, or comments or complaints about the study, may also be directed to the Office for the Protection of Human Subjects at (415) 338-1093 or protocol@sfsu.edu.

* 1. PARTICIPATION IN THIS RESEARCH IS VOLUNTARY. You are free to decline to participate in this research study, or to withdraw your participation at any point, without penalty. Your decision whether or not to participate in this research study will have no influence on your present or future status at San Francisco State University.

*If you have questions about your participation or the present research study, please contact the researchers.

If you consent to participate, please check the bubble "Yes..." and you will be taken to the survey.

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