You make some changes to your product in year two, and as a result, takeup is high. But in year three, despite not making any more changes, takeup is extremely low again. Looking at the data, you find that takeup in year three is perfectly spatially correlated: in some counties, everybody enrolled in insurance, while in others, nobody did. Based on the results from one of the studies discussed in the lecture, what is the most likely explanation? People discussed with their friends and neighbors whether insurance was a good idea. Some counties have better returns from farming than others. Everybody in counties that got payouts in year two re-enrolled in year three, while everybody in counties that didn't get payouts in year two didn't re-enroll