When Herds Get Overconfident, Run for Cover By Editor Test Wed, Mar 30, 2011 SHARE ON: TwitterFacebookLinkedIn Steve Utkus of the Vanguard Retirement Research Center proposes a four-part model to explain the psychological dynamics behind the most recent financial bubble, and similar bubbles. TO READ THIS ARTICLE, PLEASE SIGN IN OR SUBSCRIBE Not Yet a Member? What's Included? Subscribe Now! $249.00 per year(recurring) - or - $25.00 per month(recurring) Username or Email Address Password Remember Me Lost Password? Reset here.