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Kieren

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Hi Max, thanks for doing this. Just a little nitpick:
You say [italics added]:

"Lowest rated books

Here the same with the highest rated books"

It should be "lowest", right?

cheers

Thanks for the post, we may be using this for a discussion group I'm running! 
Have you accidentally duplicated this section?
"Update: Some people argued that it doesn't make sense to hedge your bets for donations and I disagree. Especially donations towards long-termist causes have huge uncertainty attached to them and thus the expected value of one option is included within one standard deviation from another option. Thus I would say it does make sense to diversify, especially if one option includes high-impact, low-probability scenarios." It appears in the Insurances section but I don't see its relevance.

I was also a little confused what a Daylight lamp was; does its spectra reflect what is outside at the time? e.g. warm red light at night, cool light in the day?