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faul_sname comments on What's going on here? - Less Wrong Discussion
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Well, the analogy is not perfect but there is a cost to clicking on the other links, too.
When you are splitting between top 5 charities - the difference between expected utility of them drown in the error of your heuristics used to pick top - so the 'cost' of splitting probably boils down to the cost of e.g. paypal processing the payment, and other entirely trivial costs (which you can avoid by e.g. randomizing between top 5)