Which theory or theorist emphasizes that individual's manipulate information, monitor it, and strategize about it to gradually increase their capacity for processing information. the belief is that "thinking" is the processing of information and that it is gradual. the belief is that as individuals perceive, encode, represent, store and retrieve information they are thinking?

I believe the answer is: Information-processing theory

According to Information-processing theory , every time we receive a certain information, our brain would process that information and interpret it to create our own conclusion. This process is influenced by our prior knowledge, belief system, experience, and personality.

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time