Cited by 110Neural and Behavioral Psychology StudiesDecision-Making and Behavioral EconomicsChild and Adolescent Psychosocial and Emotional Development

The role of the anterior insula in adolescent decision making

Open access
Smith, Ashley R., Steinberg, Laurence, Chein, Jason·2014·Developmental Neuroscience

Abstract

Much recent research on adolescent decision making has sought to characterize the neurobiological mechanisms that underlie the proclivity of adolescents to engage in risky behavior. One class of influential neurodevelopmental models focuses on the asynchronous development of neural systems, particularly those responsible for self-regulation and reward seeking. While this work has largely focused on the development of prefrontal (self-regulation) and striatal (reward processing) circuitry, the present article explores the significance of a different region, the anterior insular cortex (AIC), in adolescent decision making. Although the AIC is known for its role as a cognitive-emotional hub, and is included in some models of adult self-regulation and reward seeking, the importance of the AIC and its maturation in adolescent risk taking has not been extensively explored. In this article we discuss evidence on AIC development, and consider how age-related differences in AIC engagement may contribute to heightened risk taking during adolescence. Based on this review, we propose a model in which the engagement of adolescents in risk taking may be linked in part to the maturation of the AIC and its connectivity to the broader brain networks in which it participates.

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Crossref · 10.1159/000358918

Cites

Statistics

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Claims the paper makes

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  • Findingcitation

    Limited evidence is consistent with the idea that the anterior insular cortex is an important area in the development of reward processing, particularly during anticipation of reward.

    “Despite this caveat, we were able to find some limited evidence consistent with the idea that the AIC is an important area in the development of reward processing, particularly during anticipation of reward (see table 1; fig. 2b) [91, 98, 99].”
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  • Findingcitation

    Several studies do not find age-related differences in anterior insular cortex during reward processing.

    “We must acknowledge, however, that there are also several studies that do not find age-related differences in this region [90, 92, 95, 96, 100].”
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  • Findingcitation

    Several identified studies on the developmental and neural underpinnings of reward processing selectively examined striatal functioning using region-of-interest analysis.

    “In fact, several of the studies that we identified on the developmental and neural underpinnings of reward processing selectively examined striatal functioning by using an ROI-based analysis [90, 94, 96].”
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  • Findingcitation

    The developmental response inhibition literature contains considerable evidence of developmental differences in anterior insular cortex recruitment.

    “Upon inspection of the developmental response inhibition literature, we find considerable evidence of developmental differences in AIC recruitment [73–77, 79, 84, 85].”
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  • Premisecitation

    Lovero et al. (2009) showed that increased anterior insular cortex activation during anticipation of touch was positively associated with self-reported ratings of stimulus intensity.

    “For example, a study by Lovero et al. [41] (2009) showed that increased AIC activation (as reflected in BOLD signal) during anticipation of touch was positively associated with self-reported ratings of the intensity of the stimulus.”
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    Findingreasoning

    Studies often implicate the anterior insular cortex, but their discussion and interpretation typically focus on other regions.

    “These studies often implicate the AIC, but their discussion and interpretation of findings typically focus on other regions.”
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    Findingnone given

    In many instances, information about anterior insular cortex engagement is contained in tables or supplementary material.

    “However, in many instances information regarding AIC engagement is contained in tables or supplementary material.”
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    Findingown data

    The review identified 15 papers on response inhibition, 12 on reward anticipation, and 6 on risky decision making for inclusion.

    “Using these criteria we identified 15 papers on response inhibition, 12 on reward anticipation and 6 on risky decision making for inclusion in our review.”
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    Findingnone given

    Few studies of adolescent risk taking and decision making explicitly focus on the anterior insular cortex.

    “Few studies of adolescent risk taking and decision making explicitly focus on the AIC.”
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    Findingcitation

    Age-related increases in anterior insular cortex recruitment during adolescence are just as consistent as age-related increases in lateral prefrontal cortex recruitment, with several studies showing concomitant developmental differences in both.

    “In fact, from the studies we found it seems that age-related increases in AIC recruitment during adolescence are just as consistent as age-related increases in IPFC recruitment (see table 1), with several studies showing concomitant developmental differences in both the AIC and IPFC [73–77, 79, 84].”
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    Findingcitation

    Among studies reporting age-dependent effects in anterior insular cortex activation during response inhibition, seven report significantly weaker engagement in adolescents than adults, while only three report stronger activation in adolescents than adults.

    “Of the studies reporting on age-dependent effects in AIC activation during response inhibition, seven studies report significantly weaker functional engagement of the AIC in adolescents compared to adults [73–75, 77, 79, 84, 85], while only three find stronger AIC activation among adolescents than adults [75–77]1.”
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    Findingcitation

    Only a handful of studies have explored age differences in brain activity during a risk-taking task, and evidence for mutual involvement of both lateral prefrontal cortex and striatum during risky decision making is scarce.

    “Only a handful of studies (see table 1) have explored age differences in brain activity during the performance of a risk-taking task [97, 101–105], and evidence for mutual involvement of both the IPFC and striatum during risky decision making is scarce.”
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    Findingcitation

    Only one study has reported age-related differences as hypothesized by current neurodevelopmental models in both reward-processing and cognitive control regions, and at least for the striatum the age difference was observed only when social context was manipulated.

    “Indeed, only one study has reported age-related differences as hypothesized by current neurodevelopmental models (increased engagement of reward processing regions and less engagement of cognitive control regions in adolescents compared to adults) in both regions [103] and, at least for the striatum, the age difference was only observed when social context was manipulated.”
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    Findingcitation

    Only one other study involving a risk-taking task demonstrates age differences in both prefrontal cortex and striatum during risky decision making, but this study showed striatal engagement increasing with age.

    “Only one other study involving a risk-taking task demonstrates age differences in both the PFC and striatum during risky decision making however, this study showed striatal engagement increasing with age [105].”
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    Premisecitation

    The anterior insular cortex is thought to act as a hub integrating cognitive and emotional information and to have structural and functional connections to regions prominent in developmental models, including lateral prefrontal cortex and striatum.

    “This region is thought to act as a hub involved in the integration of cognitive and emotional information [10], and to have structural and functional connections to regions that feature prominently in current developmental models of adolescent decision making (e.g., the IPFC and striatum).”
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    Premisecitation

    Activity in the anterior insular cortex is common in studies of cognitive control and inhibitory processing and in studies of reward sensitivity.

    “Indeed, activity in the AIC is a common feature in studies of cognitive control and inhibitory processing [7, 46–50] and reward sensitivity [8, 9].”
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    Premisecitation

    Theorists propose that the anterior insular cortex acts as an integrative hub coordinating recruitment of task- and context-relevant brain networks in response to arousal.

    “More recently, theorists have proposed that AIC function goes beyond simply interpreting signals of arousal, and have argued that this region acts as an ‘integrative hub’ which is centrally involved in coordinating the recruitment of task- and context-relevant brain networks in response to arousal [10].”
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    Premisecitation

    The dual system hypothesis holds that a maturational imbalance between heightened sensation seeking and still-maturing self-regulation makes adolescents susceptible to risky behavior.

    “The crux of the dual system hypothesis is that the maturational imbalance during adolescence between heightened sensation seeking and a still-maturing capacity for self-regulation makes adolescents particularly susceptible to engage in risky behaviors [for review, see 25].”
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    Premisecitation

    Around puberty, the human brain undergoes a major reorganization of neural structures, networks, and functioning.

    “Around the onset of puberty, the human brain is known to undergo a major reorganization of neural structures, networks, and functioning [11, 12].”
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    Premisecitation

    Dual systems models emphasize asynchronous development of the neural systems underlying sensation seeking and self-regulation.

    “Dual systems models highlight the asynchronous development of the neural systems that underlie sensation seeking – the tendency to seek varied, novel, complex and intense sensations and experiences [20] – and self-regulation – the deliberate modulation of one’s thoughts, feelings or actions in the pursuit of planned goals [21, 22].”
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    Premisecitation

    The triadic model highlights blunted amygdala engagement during adolescence, and recent reviews also consider the thalamus and insula in the harm avoidance network.

    “One such view, referred to as the triadic model, highlights the blunted engagement of the amygdala during adolescence (recent reviews also consider the potential role of the thalamus and insula in the harm avoidance network) [26].”
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    Premisecitation

    One view of anterior insular cortex function highlights its involvement in the subjective experience of arousal.

    “Accordingly, one view of AIC function highlights its involvement in the subjective experience of arousal (feelings experienced as a result of an event or stimulus) [38–40].”
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    Premisecitation

    The anterior insula receives direct projections from somatosensory regions but is involved in conscious representation of bodily sensations and regulation of arousal.

    “The anterior portion of the insula also receives direct projections from somatosensory regions, but is involved in the conscious representation of these bodily sensations and in the regulation of arousal [32, 37].”
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    Premisecitation

    At least in adulthood, the anterior insular cortex participates in multiple brain networks and varies its functional involvement according to stimulus environment and task demands.

    “That is, at least in adulthood, this region participates in multiple brain networks and varies its functional involvement with these networks according to the nature of the stimulus environment and task demands.”
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    Premisecitation

    The posterior insula receives abundant projections from somatosensory regions and is involved in visceral sensations such as pain.

    “The posterior insula receives an abundance of projections directly from somatosensory regions and is involved in visceral sensations such as pain [32].”
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    Premisecitation

    In dual systems models, maturation of reward centers including the striatum occurs early in adolescence around puberty and is hypothesized to increase reward sensitivity and sensation seeking.

    “Within this framework, the maturation of reward centers in the brain, localized to midline dopaminergic regions, including the striatum, is thought to occur early in adolescence, around the time of puberty, and is hypothesized to evoke an increase in reward sensitivity that results in more frequent sensation seeking [for reviews, see 23, 24].”
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    Premisecitation

    The insula is implicated in diverse functions relevant to adolescent decision making, including attention, sexual attraction or romance, language, social experiences, and motivation or reward.

    “yet it is implicated in a markedly diverse range of functions that are relevant to current theories of adolescent decision making, such as attention [7], sexual attraction/romance [29], language [30], social experiences [31] and motivation/reward [8], among others [for review, see 32].”
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    Premisecitation

    Anterior insular cortex activation precedes and directly influences prefrontal activation during response inhibition and striatal activation during reward anticipation.

    “The notion that the AIC may govern the engagement of specialized brain networks to which it is connected finds support in evidence that activation of the AIC precedes, and directly influences, activation of prefrontal regions during response inhibition [44] and activation of the striatum during reward anticipation [27].”
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    Premisecitation

    A resting-state connectivity study found that a network including anterior insular cortex, dorsal anterior cingulate cortex, anterior prefrontal cortex, and thalamus was already established by adolescence, but inter-network strength including the anterior insular cortex-prefrontal cortex pathway continued to increase with age.

    “For example, a study examining resting state connectivity within a network including the AIC, the dorsal ACC, the anterior PFC and the thalamus found that although the network was already established by adolescence, inter-network strength, including the specific pathway between the AIC and PFC, continued to increase with age [65].”
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    Interpretationcitation

    The maturation of impulse control may be specific to the anterior insular cortex.

    “Although these findings suggest that the maturation of impulse control may be AIC specific, it is possible that the relation between the development of the AIC and the development of impulse control reflects the strengthening of the entire cognitive control network during adolescence, including the connection between the AIC and IPFC.”
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    Premisecitation

    Stevens et al. (2009) demonstrated that a network composed of insula, striatum, anterior cingulate cortex, and temporal lobe was already operational by adolescence, but its interconnectivity continued to strengthen with age into young adulthood.

    “Using a resting-state connectivity approach, Stevens et al. [69] (2009) demonstrated that a network composed of the insula, striatum, ACC and temporal lobe was already operational by adolescence but, like the control network observed by Fair et al. [65] (2007), the interconnectivity of this network continued to strengthen with increases in age into young adulthood.”
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    Premisecitation

    Shaw et al. (2008) found that the most anterior portion of the insula exhibited linear thinning across adolescence, suggesting ongoing maturation similar to cognitive control regions.

    “Using cortical thickness measurements as a marker of neural maturity (thinner cortex is associated with greater neural maturity), Shaw et al. [60] (2008) found that the most anterior portion of the insula (not anatomically defined in the paper, however) exhibited a linear pattern of thinning across adolescence, suggesting that this region undergoes ongoing maturation across this developmental peri”
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    Premisecitation

    Task-dependent connectivity findings point to developmental changes in the relationship between anterior insular cortex and striatum, but suggest this connection may have reached maturity by midadolescence adequate to support adult-like functions.

    “Task-dependent connectivity findings also point to developmental changes in the relationship between the AIC and the striatum, but suggest that this connection may have reached a state of maturity by midadolescence that is adequate to support adult-like functions [27, 67].”
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    Premisecitation

    Maturation of brain regions supporting response inhibition is thought to underlie an eventual decline in risk-taking behavior.

    “In the developmental decision-making literature, the maturation of brain regions supporting response inhibition is thought to underlie an eventual decline in risk-taking behavior [for review, see 22 ].”
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    Interpretationreasoning

    The relationship between anterior insular cortex development and impulse control development may reflect strengthening of the entire cognitive control network, including the anterior insular cortex-lateral prefrontal cortex connection.

    “Although these findings suggest that the maturation of impulse control may be AIC specific, it is possible that the relation between the development of the AIC and the development of impulse control reflects the strengthening of the entire cognitive control network during adolescence, including the connection between the AIC and IPFC.”
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    Study design and conductnone given

    Only activations that survived statistical corrections were included in the review.

    “Only activations that survived statistical corrections were included.”
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    Premisecitation

    The anterior insular cortex has been shown to act in cooperation with reward-processing areas including anterior cingulate cortex, striatum, and thalamus, and its involvement with these regions appears dependent on age.

    “Specifically, the AIC has been shown to act in cooperation with several reward-processing areas (ACC, striatum and thalamus [27, 67–69]) and, importantly, its involvement with these regions appears to be dependent on age [69].”
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    Premisecitation

    In that diffusion tensor imaging study, decreased fiber density across development was observed in several insular projections, including the connection from anterior insular cortex to frontal regions, whereas no changes were seen in connectivity to subcortical regions such as the striatum.

    “A general pattern of decreased fiber density across development, which might be interpreted as the downstream consequence of cortical pruning, was observed in several insular projections, including the connection from the AIC to several frontal regions, whereas no changes in fiber density were seen in connectivity to subcortical regions such as the striatum [61].”
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    Interpretationcitation

    Indications of a strengthening anterior insular cortex-lateral prefrontal cortex connection during adolescence and a link between anterior insular cortex cortical thinning and self-reported impulse control suggest that anterior insular cortex maturation may be essential to growth of the ability to inhibit unintended or undesirable responses.

    “Indications of a strengthening connection between the AIC and IPFC during adolescence [66], and of a link between AIC cortical thinning and self-reported impulse control [28], suggest that AIC maturation may also be essential to the growth of the ability to inhibit unintended or undesirable responses.”
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    Interpretationreasoning

    Another possibility is that the simplistic nature of reward-processing tasks may not require the integration of cognitive and affective information that may contribute to age differences in anterior insular cortex activation.

    “Given the role of the AIC in cognitive-emotional interactions, another possibility is that the simplistic nature of reward-processing tasks may not require the integration of cognitive and affective information that may be a critical contributor to age differences in activation in this region.”
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    Premisecitation

    Current developmental theories posit that increases in risky behaviors during adolescence result from a maturational imbalance between neural systems underlying sensation-seeking and self-regulatory behaviors, leading adolescents to disproportionately activate appetitive, reward-seeking circuitry rather than deliberative, cognitive control circuitry during risky decision making, particularly under

    “Current developmental theories posit that increases in risky behaviors during adolescence are a result of the maturational imbalance between neural systems underlying sensation-seeking and self-regulatory behaviors, which leads adolescents to disproportionately activate appetitive, reward-seeking circuitry rather than deliberative, cognitive control circuitry during risky decision making,”
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    Premisecitation

    Adults showed more anterior insular cortex activation during receipt of an aversive liquid, which was unrelated to the self-reported rating of the experience.

    “Conversely, adults showed more AIC activation during receipt of an aversive liquid (salt-water), which was unrelated to the self-reported rating of the experience.”
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    Interpretationcitation

    It is possible that both structural and functional connectivity between anterior insular cortex and reward-processing regions is adequately mature during adolescence, so the anterior insular cortex exhibits adult-like engagement during reward anticipation.

    “It is possible that both the structural and functional connectivity between the AIC and reward processing regions is adequately mature during adolescence [27] and that the AIC therefore exhibits adult-like engagement during anticipation of reward.”
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    Premisecitation

    Rubia et al. (2006) demonstrated that during incongruent trials adults recruited the anterior insular cortex significantly more than adolescents, an effect correlated with age, and increased anterior insular cortex activation was related to fewer incongruent task errors.

    “For example, using the Simon task (spatial or motor Stroop), Rubia et al. [77] (2006), demonstrated that during incongruent trials, which require suppression of a prepotent response, adults recruited the AIC significantly more than did adolescents, an effect that was also correlated with age when treated as a continuous variable. Across all subjects, increased AIC activation was also related to”
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    Interpretationcitation

    These findings suggest that the anterior insular cortex may be more involved in appetitive processes during adolescence, but may shift to involvement in harm avoidance processes in adulthood.

    “These findings suggest that the AIC may be more involved in appetitive processes during adolescence, but may then shift to involvement in harm avoidance processes in adulthood.”
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    Premisecitation

    Increased reward sensitivity during adolescence is believed to underlie increases in sensation seeking, attention to social information, inability to delay gratification, and risky decision making.

    “Increased reward sensitivity during adolescence is believed to underlie increases in sensation seeking [86], attention to social information [87], the inability to delay gratification [86] and risky decision making [88, 89].”
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    Premisecitation

    In Christakou et al. (2011), the shift from immediate to delayed choice was associated with increased anterior insula-medial prefrontal cortex connectivity and strengthened ventromedial prefrontal cortex-striatal connectivity.

    “The shift from immediate to delayed choice was also associated with increased connectivity between the AIC and the mPFC in addition to the strengthening of vmPFC and striatal connectivity.”
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    Premisecitation

    In Eshel et al. (2007), adolescents and adults did not differ in risk-taking behavior or in inferior prefrontal cortex or striatal engagement during risky decision making.

    “Overall, there were no group differences in risk-taking behavior or in IPFC or striatal engagement during risky decision making (i.e. decision making where the risky portion of the wheel was subsequently chosen).”
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    Interpretationreasoning

    The bias towards reward-processing regions during adolescence may result in heightened coactivation of the anterior insula and striatum and/or functional connectivity between these regions during decision making.

    “Despite the adult-like state of AIC-striatal connectivity, the bias towards reward-processing regions during adolescence may result in heightened coactivation of the AIC and striatum and/or functional connectivity between these regions during decision making.”
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  • The paper relies on this without support.

    The connectivity between the reward-processing and cognitive-control systems is relatively weak during adolescence.

    “Further adding to this affective bias during adolescence is the relatively weak connectivity that exists between the reward and cognitive control systems.”
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References 111 · Cited by 110

Research works printed but not linked: 5

  1. 10.1038/13158 · DOI · Paper page
  2. 10.1002/hbm.20237 · DOI · Paper page
  3. 10.1002/dev.20445 · DOI · Paper page
  4. 10.1002/hbm.21036 · DOI · Paper page
  5. 10.1016/j.dcn.2011.04.001 · DOI · Paper page

Authors
Smith, A. R., Steinberg, L., & Chein, J.
Affiliations
Temple University (US)
Venue
Developmental Neuroscience
Publisher
S. Karger AG
Published
2014
Volume
36
Issue
3-4
Pages
196-209
ISSN
  • 0378-5866 (ISSN-L)
  • 1421-9859
OpenAlex
W1992488500
Cited by
110
References
111
Citations by year
2026: 5 · 2025: 11 · 2024: 10 · 2023: 8 · 2022: 7 · 2021: 8 · 2020: 4 · 2019: 11 · 2018: 15 · 2017: 7 · 2016: 10 · 2015: 10 · 2014: 3
FWCI
0.97
Type
journal article
Language
en
Open access
Locations
  • Developmental Neuroscience (publishedVersion)
  • PubMed (publishedVersion)
  • Europe PMC (PubMed Central) (acceptedVersion)
  • PubMed Central (acceptedVersion)
Funders
National Institute on Alcohol Abuse and Alcoholism (R01AA020006)
Topics
  • Life Sciences › Neuroscience › Cognitive Neuroscience › Neural and Behavioral Psychology Studies
  • Social Sciences › Decision Sciences › General Decision Sciences › Decision-Making and Behavioral Economics
  • Social Sciences › Psychology › Clinical Psychology › Child and Adolescent Psychosocial and Emotional Development
Keywords
anterior insula, adolescent decision-making, risk-taking, brain development, self-regulation, reward processing, cognitive-emotional integration, brain network connectivity, age differences
MeSH terms
Adolescent, Adolescent Behavior, Cerebral Cortex, Decision Making, Humans, Reward, Risk-Taking

About these checks

Registry, retraction, Cites and statistics results are computed, not judged, with one exception: a printed reference that no index lists is read once by a model before it counts as a citation error. Claims are extracted by a model and kept only when their quote appears verbatim in the text; each cited source is then checked, with a model’s help, for whether it says what the claim relies on. Those verdicts can be wrong — read the claim’s quote and the cited source before relying on one.

Claims read by deepseek-v4.1-flash under definition version 3 (extract-v3) on 2026-10-06.

Classified by jev-1.13-20260917 (gold-guideline-v0.2) on 2026-10-06.

Statistics and arithmetic are recomputed, not judged.

Confidence bands are shown only for fields calibrated on our annotated test set. None is calibrated yet, so no band is shown.

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