
The image shows a man standing in front of a projector screen with a presentation on it. He is wearing a blue sweater and glasses and appears to be giving a presentation. The presentation is titled "Individuals vs. Couples (all couples)". 

On the screen, there is a table with three columns and three rows. The first column is labeled "Estimated change in coefficient due to couple decision" and the second column is filled with information about the relationship between individuals and couples. The third column has a table that shows the risk preferences for each couple. The table also has a column labeled "Risk preferences" and a table labeled "Structure of PWP".

The man is pointing to the table with his right hand, indicating that he is explaining the presentation. He seems to be explaining the concept of individual time preferences similar to couples.
