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Another popular worldview model is one of practical competence. Under this model the practitioner strives to consider what is in his or her best interest and applies a practical cost–benefit analysis to various situations in order to ascertain whether action x or action y will maximize the greatest amount of pleasure for the agent (often described in terms of money). Thus, if you are Bernie Madoff (a well-known financial swindler) you might think about the risks and rewards of creating an illegal Ponzi scheme as opposed to creating a legitimate investment house that operates as other investment houses do. The risks of setting off on your own direction are that you might get caught and go to prison. The rewards are that you might make much more money than you would have done under the conventional investment house model. Since you think you are smarter than everyone else and will not get caught, the prudential model would say: “Go for it!” Madoff did get caught, but who knows how many others do not? We cannot know because they have not been caught. But even if you are not caught, is that the best worldview approach? The prudential model says yes.