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decisions quickly and with unjustified optimism. They deny their 
anxiety and don't think much about the situation before or afterwards. 
If you take risks, which type fits you best? Obviously, too much fear 
inhibits us too much and too little fear doesn't inhibit us enough.  
Decision-making is known to deteriorate under intense or prolonged 
stress; we become confused and irrational emotions may take over 
(Janis & Mann, 1977). See chapter 13 for ways to improve decision-
making as a part of coping with stress.  
How and what you think determine your stress level  
Humans are constantly anticipating what is going to happen, 
sometimes accurately and often times incorrectly. We especially dwell 
on the good and bad possible consequences of our actions and 
choices. We can imagine how others will feel and act in the future. We 
can understand and misunderstand why others do and feel the things 
they do. All these cognitive abilities can serve us well or poorly; careful 
planning for the future can help us cope and reduce our stress; 
pessimistic predictions can make us miserable. For some reason, in 
our current culture, we seem very unaware of the many ways we could 
be viewing and interpreting a situation but aren't. Here is a classical 
example of cognitive processing:  
Suppose you are waiting for your boy/girlfriend who is half an hour 
late, which is unusual for him/her. You will think, "Why isn't he/she 
here?" And, you may answer the question from several viewpoints 
(called schemata by cognitive psychologists) or ways of understanding 
the situation, e.g. you can apply a rejection interpretation: "he/she 
isn't very concerned about or interested in me," or a threat 
interpretation: "I wonder if he/she has met some attractive person on 
the way here," or a catastrophe interpretation: "Oh, God, I hope 
he/she hasn't had an accident--I heard a siren a minute ago," or a 
shame interpretation: "I hope no one sees me waiting here, it's 
embarrassing to be stood up," etc. All these interpretations would be 
wrong if he/she simply got caught in traffic. Yet, each different 
interpretation leads to a different emotion. But, you don't have to 
force the data into any category (interpretation), you could refuse to 
draw a conclusion and just find something else to do until the 
boy/girlfriend shows up." But, most of us have our "favorite" 
expectations or schemas or ways of looking at things--it is part of our 
personality. By becoming aware of our tendencies to take certain 
viewpoints that may be wrong, we can start to change by testing the 
validity of our interpretations and opening our minds to more accurate 
ways of understanding our situations (see the later sections describing 
self-help methods).  
Let's consider the kind of cognitive schemas or structures of 
agoraphobics that lead to feeling afraid of having a panic attack 
(Hoffart, 1993). Such patients have certain beliefs: (1) once anxiety 
about becoming terrified starts, it doesn't stop and just gets more 
intense, (2) specific symptoms will lead to a disaster, e.g. rapidly