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Title: RiskTaking as a Factor of Creative Thinking


1
Risk-Taking as a Factor of Creative Thinking
ACA International Conference 2006
Professor Abdullah T. Alsafi King Khalid
University College of education               
Department of Educational Psychology Abha,
Saudi Arabia P.O.BOX 9035 Email
profalsafi_at_gmail.com
2
Outlines
  • Introduction to Creativity
  • Definition of Creative Thinking
  • Creativity Process
  • Life Style
  • Components of Creativity
  • Creativity ability
  • Introduction to Risk-taking
  • The Definitions of Risk-Taking
  • Creativity-Cognitive Domain and Affective Domain
  • RiskTaking as a Function of Situational and
    Personality Factors
  • Creativity and Education in Saudi Arabia
  • Conclusion

3
Introduction to Creativity
  • Among educational psychologists there has been
    an increasing concern with creativity. The last
    three decades have seen a great interest in the
    effort to investigate the nature and development
    of creative thinking and it is measurement.
    Guilford (1950) gave a presidential address on
    creativity to American psychological association
    which considerably stimulated creativity research
    in science , art and education. Research studies
    and development of creative activities have
    proved to be of significant value in improving
    our understanding of concept of creativity
    development and its measurement. Thus, many
    approaches have been focused on creative thinking
    in investigation and conceptualization of
    creativity.

4
Definition of Creative Thinking
  • Creativity is a concept of interest to man since
    the very beginning of recorded history today we
    have moved to a more ' man-centered' concept
    of creativity though only in recent decades has
    creativity become of specific interest to
    psychological researchers.
  • Particular emphasis has been paid to the
    cognitive aspect of creativity, i.e, creativity.
  • As away or style of thinking, our discussion is
    centered largely on research in this more recent,
    cognitive fields.

5
Definition of Creative Thinking (cont.)
  • A process of becoming sensitive to problems,
    deficiencies, gap in knowledge, missing elements,
    disharmonies and so on. Identifying the
    difficulty, searching for solutions, making
    guesses, or formulating hypotheses about the
    deficiencies ,testing and retesting these
    hypotheses, and possibility modifying and
    retesting them, and finally communicating the
    result.

6
Creativity Process
  • Davis (1999) proposed that creativity fully
    develops one's capability and increases one's
    flexibility, curiosity, open mindedness and sense
    of adventure.
  • Creativity involves thinking, intuition, feeling
    and sensing and that in order to achieve
    fulfillment, the highly creative personality
    needs a framework of self understanding, positive
    encouragement and acceptance in order to balance
    the rational and irrational components of
    creative personality (Wallace,1986).
  • The creative process is emergency in action of
    a novel relation
  • product, growing out of the uniqueness of the
    individual "(Carl Rogers, 1968).

7
Life Style
  • Creative thinking is more than using your
    imagination to devise lots of new ideas.
    Creativity is a life style, a personality trait,
    a way of perceiving the world, a way of living
    and away of growing. Living creatively is
    developing your talents, leering to use your
    abilities, and becoming what you are capable of
    becoming. Being creative is exploring new ideas,
    new places and new activities. Being creative is
    developing a sensitivity to problems of others
    and problems of humankind. One need not have
    great artistic, literary, scientific or
    entrepreneurial talent to be a creative person.

8
Life Style (cont.)
  • Torrance definitions of creativity as divergent
    thinking is to solve the problem and to think of
    new ideas that . no one had thought of before
    .therefore ,Torrance assessed creativity based on
    fluency , flexibility ,originality and
    elaboration, and this approach is similar to that
    of Guilford. Creativity thinking appears from
    divergent thinking rather than convergent
    thinking. As well as fluency, flexibility,
    originality and elaboration, there are other
    creative abilities contributed by Guilford and
    Torrance, such as the following elements

9
  • There are essential elements of Creative
    Divergent Thinking, namely
  • FLUENCY
  • is the child's ability to think of a quantity of
    ideas, similar ideas in the mind, both verbally
    and non verbally.
  • FLEXIBILITY
  • is the child's ability to think of many
    different categories.
  • ORIGINALITY
  • originality is the child ability to think and
    produce unexpected ideas or responses.
  • ELABORATION
  • elaboration is the child ability to develop,
    generate and details to given problem or ideas.

10
  • The most common definition of creative thinking
    focuses on the creative abilities and creative
    process and product
  • Fluency
  • the ability to produce quantities of ideas,
    verbal or non verbal, to the problem solving
    situation.
  • Flexibility
  • is ability to shift ideas to different patterns,
    take different approaches to problem situations,
    and think of ideas in different categories.
  • Elaboration
  • is ability to add and expand the idea which
    include developing, embellishing and implementing
    the idea.

11
  • Imagination
  • Is the ability to think in an imaginative way.
  • Metaphorical thinking
  • Is the ability to borrow an idea from its context
    and use it in another
  • Analysis
  • Is the ability to analysis the whole details into
    parts.
  • Synthesis
  • Is the ability to combine parts into workable,
    perhaps creative, whole.
  • Sensitivity to problems
  • Is the ability to identify the problem, the
    difficulty, identifying missing information and
    finding the solution.

12
  • Evaluation
  • Is ability to critically separate relevant from
    irrelevant ideas, and form appropriate ideas.
  • Transformation
  • Is ability to think to modify and change the idea
    to new use, to see new meaning and application.
  • Problem defining
  • Is the ability to identify the real problem,
    isolating important aspects, simplifying a
    problem, identifying sub problems and defining
    a problem broadly.
  • Visualization
  • Is the ability to see things in the mind eye, the
    ability to fantasize and imagine.

13
  • Evaluation
  • Is ability to critically separate relevant from
    irrelevant ideas, and form appropriate ideas.
  • Transformation
  • Is ability to think to modify and change the idea
    to new use, to see new meaning and application.

14
Components of Creativity
  • Creativity as a product and as a process
  • Creativity as a product is described as a
    painting, sculpture, or invention, tend to draw
    attention away from the way in which work came
    into being. Creativity should be understood not
    only as the outcome of human endeavor, but also
    as a characteristic of life itself.

15
  • Creativity as a process
  • where as the process is usually obscure, even to
    the person in the acts of creating. However,
    Davis stressed the importance of the process and
    product. Each one making the other strong.
  • Creativity is quality of protoplasm
  • Creativity is a characteristic of life itself.
    Anderson stated that, "as an individual
    interacting with other humans in his environment
    he is moving, growing changing, flowing
    uniqueness. As is true for his cells, the
    uniqueness of his total organization and harmony
    of purpose, or integration, with other humans are
    basic necessities for his optimum development "

16
  • Creativity as spontaneous behavior
  • Creativity is an expression of individual
    difference and originality. Thinking, knowing,
    feeling and acting these processes will emerge
    with creativity, if there is no threat or
    punishment from the environment.

17
Creativity Ability
  • Creativity is the ability to make new
    combinations of social work.
  • Creativity is the ability to relate and connect,
    sometimes in odd and yet in striking fashion,
    lies at the very heart of any creative use of the
    mind, no matter in what field or discipline.
  • " The creative process is emergency in action of
    a novel relation product ,growing out of the
    uniqueness of the individual" (Carl Rogers,
    1968).
  • Davis (1983) proposed that creativity fully
    develops one flexibility, curiosity, open
    mindedness and sense of adventure.

18
Introduction to Risk-Taking
  • Although risk-taking has been a rather minor
    area of study for the last twenty years,
    increasing numbers of people today are concerned
    with risk-taking as it relates to learning. As
    background to a discussion of the educational
    implications of risk-taking, this paper will
    describe the research into factors involved in
    risk-taking these include situational factors
    such as the nature of the motivation provided by
    the task, and the effect of other people on the
    risk-taker.

19
  • Hutchinson, (1978) pointed out the risk-taken
    behavior is persistence in a task ( a game of
    chance) regardless of whether a reward results.
    Continuing performance in this task is considered
    as an indication of risk-taking tendency.
  • Viscott ( 1977 ) emphasized the subjective
    Dimension of risk-taking by saying "it is
    surprising how little most people know about
    taking risk. Other people become inhibited by
    fear at the very moment they commit themselves to
    action "(p.13) Viscott describes risk in the
    known and the certain and to reach for something
    you are not entirely sure of but believe is
    better than what you now have, or is at least
    necessary to survive (p.17). Implicit in
    Viscott's definition is the notion that the
    circumstances and personality traits of the
    risk-taker vital to an understanding of his\her
    behavior.

20
  • It appears then the any definition of
    risk-taking must take into account both the
    situation and the personality of the risk-taker.
    The situation of the risk-taker includes such
    factors as the nature of the risk-taking task,
    the motivation provided by that task, and the
    risk-taker's interaction with other people either
    a group witch may be involved in the risk-taking
    decision or society as a whole. The personality
    of the risk-taker includes a myriad of factors
    sex, age, profession, values, anxiety level, and
    creativity --- which affect the risk-taking
    disposition.
  • Carney and Cranny ( 1971 ) pointed out that the
    risk-taker assesses, perhaps reflexively, the
    probability of achieving success in goal oriented
    situations, and that he or she seeks the easiest
    way to achieve that goal .

21
The Definitions of Risk-Taking
  • The definitions of risk-taking vary widely,
    depending on the researchers purposes and
    theoretical biases. Because most definitions of
    risk-taking were grounded in economic theory in
    the first half of the Twentieth century, the
    psychological dimension of risk-taking was
    generally neglected ( lopes 1983 ).
  • The literature on risk-taking concentrates
    largely on situational tasks such as gambling or
    skill games involving a significant element of
    chance. Gambling provides an excellent setting
    for study of risk-taking behavior of the
    individual, as it involves a large element of
    chance in achievement of the goalthat is,
    winning.

22
  • The strategic environment rewards or punishes
    risk taking and quickly sensitizes decision
    makers to resource issues. This
    resource-constrained environment demands that
    leaders must do more with less, and often
    increases the risk of failure to achieve the
    desired end state. Because the strategic
    environment is rapidly changing, decision makers
    must learn to think smarter and more creatively
    in order to get the most out of dwindling
    resources. Creative solutions are not achieved
    without taking risk, and often deviate sharply
    from known ways of doing things.

23

Creativity-Cognitive Domain and Affective Domain
      Cognitive-affective creative learning has
been given considerable attention by Williams and
Treffinger.    Williams did, and still does, make
good contributions and efforts to enhance
creative thinking in the classroom, because
Williams has realized that teachers have
difficulty in encouraging childrens divergent
thinking. Then (1972) he created a creative work
to help a child to generate many original and
unusual ideas. Therefore, he considered that
cognitive thinking and affective feeling are very
important factors and elements to facilitate
creative divergent thinking and creative
divergent feeling. This is the Williams cognitive
affective interaction (CAI) model. The aim of the
model is to help the teacher to reinforce
creative divergent thinking and creative
divergent feeling in elementary school children.
The model is a conceptual system which describes
categories of
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  •   These cognitive domains and affective domains
    plus eighteen strategies, which can help the
    teacher to reinforce childrens creative thinking
    and creativity, can be learned (see figure
    1).  Similarly, Treffinger (1980) created another
    instructional model based on cognitive thinking
    and affective feeling. This model is a creative
    learning strategies model to improve childrens
    creative learning among children. The model
    included three levels, each level based on
    cognitive and affective processes. In the
    cognitive domain, he was guided through the
    divergent function of fluency, flexibility,
    originality and elaboration, and though the
    complex thinking processes of application,
    analysis and evaluation. Involvement in real
    challenges included independent inquiry,
    self-direction, and resource management. In the
    affective domain, special emphasis was placed on
    problem sensitivity, value development and
    self-actualization.   

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The Williams scale (A parent and teacher rating
scale of children divergent and feeling related
to creativity)
  • Fluency
  • The child thinks of several answers when a
    question is asked.
  • The child draws several pictures when asked to
    draw one.
  • The child has several ideas about something
    instead of just one.
  • The child asks many questions.
  • The child uses a large number of words when
    expressing ideas.
  • The child works rapidly and produces a great
    deal.

28
  • Flexibility
  • The child thinks of many to use an object rather
    than its common use.
  • The child expresses more than one meaning for a
    picture, story, poem , or problem .
  • The child can transfer meaning is one subject to
    another subject .
  • The child shifts his point of view to another
    point of view.
  • The child exhibits a variety of ideas and
    explores many of them.
  • The child thinks of numerous possibilities for
    solving a problem.

29
  • Originality
  • The child likes objects I room placed off-center
    or prefers drawing and designs which are
    asymmetrical.
  • The child become dissatisfied with one right
    answer and seeks other options.
  • The child think in uncommon ways.
  • The child enjoys the unusual and dislikes
    ordinary ways of doing things.
  • The child after having read or heard about a
    problem, begins inventing solutions.
  • The child questions established and devises new
    methods of problem solution.
  • Elaboration
  • The child adds lines, color, and details to
    his\her drawing

30
  • The child senses a deeper meaning in an answer
    or solution and produce more depth of meaning.
  • The child takes off with another ideas and
    alters it some way.
  • The child wants to 'jazz-up' or embellish the
    work or ideas of others.
  • The child has little interest in ordinary
    objects and adds details to make them better.
  • The child change the rules of games.

31
  • Curiosity
  • The child questions everything and everybody .
  • The child loves to explore mechanical things.
  • The child is constantly searching for new
    avenues of thinking.
  • The child normally explores things and ideas
    which are new to him .
  • The child is alert to possibilities for
    solution.
  • The child explores books, game, maps, picture,
    etc, to find more meaning.
  • Imagination
  • The child makes up stories about places never
    seen.
  • The child imaging how others would deal with a
    problem.

32
  • The child daydreams about things or place
  • The child likes to imagine things he has never
    experienced.
  • The child see things in pictures or drawings
    other than the obvious
  • The child can wonder freely about things and
    ideas
  • Complexity
  • The child is interested in intricate things and
    ideas
  • The child likes to involve himself in
    complicated tasks
  • The child wants to figure things out without
    assistance

33
  • The child enjoys tasks that are difficult
  • The child thrives on trying again and again in
    order to succeed
  • The child produces more complex solution to
    problem than seem necessary
  • Risk-taking
  • The child will defend ideas regardless of
    reaction of others
  • The child sets high goals of accomplishment
    and is not afraid to try to achieve them
  • The child admits to mistakes of failures
  • The child likes trying new tings or ideas and is
    not easily influenced by friends
  • The child is not overly concerned with
    disapproval by classmates
  • The child prefers taking chance or 'ideas '
    just to learn of the outcomes

34

RiskTaking as a Function ofSituational and
Personality Factors
  • Situational factors
  • Will any examination of the risk-taking
    disposition must certainly take into account
    personality characteristics and traits,
    situational factors do determine the risk-taking
    direction.

35
  • They also include personality factors such as
    sex , age profession values, anxiety level ,and
    creativity of the risk-taker. The paper will
    conclude with suggestions on how risk-taking can
    be integrated into the learning environment.
    First, however, it is necessary to outline some
    traditional definitions of risk-taking.
  • Risk-Taking behavior seems clearly a factor in
    creativity. This conclusion is not surprising,
    since, as we have seen, risk-taking is a result
    of a complex configuration of the situational and
    personality factors of the risk-taker.  By way of
    summary, it can now be said that the literature
    suggests that risk-taking behavior and social
    reinforcements are two basic variables that
    influence creativity. Risk-taking behavior has
    been found to be a predicting factor of
    creativity, and there is a significant
    relationship between risk- taking behavior and
    creativity.

36
  • Task
  • In most risk-taking situations and behaviors,
    the plays an important role. This is why most
    sociologists and psychologists, during the last
    decade or so, have concentrated on this area. The
    task that call for the risk-taking propensity are
    generally those that involve chance rather than
    skill. For this reason, the literature on
    risk-taking concentrates largely on situational
    tasks such as gambling or skill games involving a
    significant element of chance. Gambling provides
    an excellent setting for study of risk-taking
    behavior of the individual , as it involves a
    large element of chance in achievement of the
    goalthat is, winning .

37
  • Motivation
  • A related situational factor affecting
    risk-taking is motivation the relationship
    between achievement motivation and risk-taking
    behavior has been examined by Carney ( 1971 ) ,
    Atkinson ( 1957-1958 ) , Atkinson , Bastian ,earl
    , and lit win ( 1960 ) , and Atkinson and feather
    ( 1966 ). The higher the degree of motivation
    present, the more likely the individual will be
    to display risk-taking behavior. However,
    Atkinson ( 1957 ) could not define a particular
    level of motivation which would produce a certain
    degree of risk- taking disposition. Atkinsons
    finding seems to show once again that, in the
    final analysis. The totally of the individuals
    personal situation and personality has a much
    greater sway in his or her disposition taking
    risk than any universal statement .

38
  • Group Impact
  • Another aspect of the risk-taking situation
    which has been studied at length is what has be
    called the " risk shift effect "that is , the
    effect on an individual's risk-taking disposition
    due to his or her.
  • Interaction within a group. Research in this
    area has demonstrated that group interaction
    influences risk-taking behavior, in that
    individuals who are disposed to smaller risk move
    to taking higher risk in a group. This shift
    toward higher risk has been demonstrated in a
    number of contexts. Wallach and Konag ( 1965
    ) explained this shift by stating that the
    individual tends to take risk in a group because
    the entire burden of the responsibility for the
    risk's consequences is distributed over the whole
    group, so that the individual member's
    responsibility is considerably reduced. No
    individual member is held accountable for the
    success or failure the risk's consequences . Hoyt
    and Stoner ( 1968 ) , on the other hand, argued
    that the risky shift effect occurs because the
    group leader is generally a greater risk-taker,
    who urges the other members of the group take
    more risks. However, this explanation seems
    inadequate because it assumes that all group
    leaders are greater risk-takers.

39
  • Cultural Impact
  • A final situational aspect of risk-taking
    behavior is the cultural situation in which the
    risk-taker acts. the desire to maximize gain and
    minimize loss plays an important role both in the
    nature of the risk taken and the behavior of the
    risk-taker. Rettig and Rawson ( 1963 ) concluded
    that the fear of being caught doing something
    socially wrong was more important to the
    risk-taker than the probability of gain
  • In other words, culture-related situations
    affect the risk-taking disposition of the
    individual . Carney and Carney ( 1971 )
    examined the impact of cultural mores on the
    risk-taking propensity of the individual. They
    argued that culture has a negative as well as a
    positive impact that is culture could be an
    inhibiting factors in risk-taking as well as a
    factor which promotes risk-taking tendencies

40
  • Personality Factors
  • Slavic and Lichtenstein ( 1968 ) have argued
    that individual personality traits are as
    important as situational factors in risk-taking
    behavior. This aspect of risk-taking was further
    confirmed by Nygren ( 1976 ) indeed,
    investigators are in their view that personality
    characteristics are an integral part of ones
    risk-taking behavior. Lanzetta and Karanaff (
    1962 )point out that amount of information an
    individual seeks before taking a risk depends on
    the risk-taking disposition of the individual.
    For example, it is reported that field Marshall
    Montgomery was a very cautious commander who
    would seek out a large amount of enemy
    intelligence before launching an attack, whereas
    general Patton would work with a lesser amount
    of information about the enemy before he
    undertook his Operations. The result was that
    Montgomery had fewer casualties and much less
    Conquered territory, compared to Pattons heavy
    this section considers the various kinds of
    personality factors which impinge upon the
    risk-taking domain. based on the ideas that
    risk-taking cannot be dissociated from
    personality factors and characteristics, this
    section will focus on the effects on risk-taking
    of differences in an individuals sex, age,
    profession values, anxiety level, and creativity .

41
  • Sex
  • The extent to which sex differences are a factor
    in risk-taking behavior is still unclear.
    Appenfels and Hays (1961) pointed out that it is
    a wide-spread belief in American society that
    males demonstrate a greater willingness to take
    risks than females. Tuddenham (1951b) indicated
    that elementary school children consider the
    typical boy as more daring than the typical girl.
    Furthermore, Tuddenham (1951a) found boldness to
    be positively correlated with popularity for
    males and negatively correlated for females.

42
  • Age
  • While the influence of sex on risk-taking
    behavior is debatable, studies have indicated
    that age is clearly a critical factor in risk
    taking. Noel (1983) conducted a questionnaire
    study with 337 males and 224 females, 14-98 years
    old. Age was found to be a significant factor
    affecting risk taking, whether the individual was
    dealing with family or friends, demonstrating
    that younger subjects take greater risk, while
    old subjects tend to be more cautious.

43
  • Values
  • Another aspect of personality which affects
    risk-taking behavior is the value system of the
    individual. In risk-taking, the values of the
    individual are deeply involved. For instance, if
    the principal of a school believes that education
    must keep free from the involvement of either
    church or state, he or she will be willing to
    take a stand against any interference from either
    direction, despite pressure from the community or
    from a vocal group. In other words, people take
    risks when their principles are involve, for
    principles are an integral part of one's
    personality. It is principles, ideals, or beliefs
    that make one seek a better order and take risks
    to achieve it. Furthermore, the individual's
    system of values determines the degree to which
    he or she is willing to take risks.

44
  • Profession
  • It appears that an individual's profession also
    affects the risk-taking disposition of his or her
    personality. In a study dealing with the
    professions and social classes, Scodel, Minas and
    Tatoosh (1959) compared university students with
    enlisted military personnel and found that the
    military personnel showed a much greater
    risk-taking disposition than the college
    students. This finding would further confirm the
    notion that an individual's life situation has a
    role in determining his or her risk-taking
    propensity. One may argue that since military
    personnel are engaged, by training and
    circumstance, in dealing with situation of
    uncertainty, they tend to be greater risk-takers
    whereas, the university students, face with a
    limited range of uncertainty, reveal a much
    lesser degree of risk-taking behavior. On the
    other hand, it is possible that individuals with
    a higher propensity toward risk-taking tend to
    choose the military than school.

45
  • Anxiety
  • Risk-taking and anxiety has been a major focus
    of research, but studies have reported
    conflicting findings on the effect of anxiety on
    risk-taking. Janis (1955), Casey (1969), Kusyszyn
    et al (1973) found that individuals with high
    anxiety show low risk-taking dispositions. These
    findings were supported by Kogan and Wallach
    (1964) in their studies. However, Atkinson (1957)
    showed that the relationship between anxiety and
    risk-taking disposition was not so simple.
    Atkinson pointed out that initially, high anxiety
    individuals tended to be high risk-takers, but
    that they would soon reach a plateau and
    thereafter the relationship was downhill (i.e.,
    sharply negative). The curve for the relationship
    was an inverted "U". This finding supports the
    idea that high anxiety individuals use
    risk-taking as an initial means to overcome
    anxiety, but that anxiety sets in, they realize
    that risk-taking is not a solution to their
    problems.

46
  • Creativity
  • Creativity is another area that has been
    investigated by researchers of risk-taking
    behavior. The association between creativity and
    risk-taking emerged in the work of Haefele
    (1962), who considered risk-taking as one basic
    dimensions of creativity. It was followed by
    Anderson and Cropley's (1966) assertion that the
    construct of risk of risk-taking is a
    non-intellectual element in creativity. Among
    others who have confirmed this assertion are
    Eisenman (1969) and Rossman and Horn (1972).
    Eisenman (1969) found risk-taking to be an
    integral part of creativity and Rossman and Horn
    characterized creativity and risk-taking as one
    of the 17 important attributes of a creative
    talent.

47
Creativity and Education in Saudi Arabia
Some individuals possess an innate talent which
, unfortunately, gats stifled, distracted and
thwarted in education systems that emphasize
convergent thinking and discourage, sometimes
enormously, the more rewarding divergent thinking
which is beneficial for both the individual and
society. The complexity of modern life, the
growing of population, and the development of
science and technology urge our society to
establish quality as well as quantity of
education. Moreover, there is no doubt that the
creative thinking programmed somehow will
eventually be include in Saudi Arabian school
curriculum, because there is a growing interest
in promoting and sustaining the creative thinking
as well as problem solving in classrooms of the
Saudi Arabian educational school system. This
interest is due to a change in outlook on the
desired outcomes of creativity in learning.
48
  • Research and development concerning the creative
    thinking function is quiet elementary and
    fragmentally in Saudi Arabia school system.
    Reasons suggested for this neglect of the study
    of creativity and this development are the
    failure to understand and appreciate the role of
    creative functioning in the various endeavors of
    life, together with lack of facilities for the
    steady of creative thinking.
  • The school day is already crowded with many
    diverse missions, yet creativity and creative
    thinking features little. One of the cardinal
    principles of education is to influence the
    student to become a more effective individual in
    society, and it is felt that creative thinking
    can made an important contribution to this end.

49
Conclusion
 Risk-taking behavior seems clearly a factor in
creativity. This conclusion is not surprising,
since, as we have seen, risk-taking is a result
of a complex configuration of the situational and
personality factors of the risk-taker. It
appears then the risk-taking behavior is a
factor in creativity, as well as in antisocial
acts and vices. This result is not surprising
since--as we have seen--risk taking is a result
of a complex configuration of the situational and
personality factors of the risk-taker.
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Thanks
  • Q A

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