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You may be shaping the samples you collect in a priors confirming manner.
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I'm in my 42nd year of life and I've never been small talked into giving someone money. I have been accosted by pan handlers who are directly asking for money. But never under the guise of a conversation. Ok, I take it back, once in 2011.
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Depends on the MLM penetration in your community, some (Amway being a big one) recruits strangers in public.
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