If one were to build an economic model of crimes such as theft, it would contain the same elements as the human-capital model of investments. The difference is that with theft, unlike with human-capital investments, the gains from the activity are immediate and the costs (if caught) are distributed across future years. With this distinction in mind, use the elements of human-capital theory to analyze whether immigrants are more or less likely than are citizens of similar income to commit the crime of theft.