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But the other half, the researchers explained, are trading costs bid-ask spreads and commissions paid to market makers and dealers.
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Men were responsible for the majority of the spike, which "might be explained by snow shoveling, " the researchers noted.
CNN: Shoveling snow? How to protect your back (and your heart)
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The program advertises itself as "Android Security Suite Premium, " but, as researchers from Precise Security explained, the security software is fake, and once launched it begins an onslaught against your phone and, potentially, your bank account.
MSN: Fake Android Anti-Virus Records Calls, Steals Info
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Researchers at NERA found the two factors combined explained 70% of the difference in liability costs.
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The researchers say the difference between the lower short-term estimate and the more consistent long-term picture can be explained by the fact that the heat from the last decade has been absorbed into and is being stored by the world's oceans.
BBC: Science & Environment
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The researchers suggest that the relatively low life expectancies in the US cannot be explained by the size of the nation, racial diversity, or economics.
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Prasad, along with Halderman and a team of researchers, published a paper in April that explained in detail how the electronic voting machines used by Indian authorities could be tampered with to rig elections.
FORBES: Indian Researcher Who Showed E-Voting Security Flaws Jailed, Denied Bail, Charged With Theft
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According to the researchers, there is only one chance in a hundred that their findings could be explained by chance alone.
BBC: Chocolate 'may help keep people slim'
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The way cancers make a chaotic mess of their genetic code in order to thrive has been explained by UK researchers.
BBC: Thriving cancer's 'chaos' explained