The article introduces a new way to measure how people feel about taking risks in economic decisions. The researchers use a special method to figure out how much people dislike risks, especially when things could go really bad (prudence) or when they just don't like risks in general (temperance). They find that women ask for more compensation for risks than men, and they really don't like downside risks. This shows that being careful and avoiding big losses is important when making choices involving risks.