Heterogeneous Agent Macro as a Gateway to Behavioral Macro?

H heterogeneous agent macro is all about building things from the ground up. It may not have a direct implication for actions or policy which might just still be discrete. There's sort of a parallel literature that's more of a micro literature rather than the macro literature, which is called behavioral economics. The key idea is that people behave somewhat differently than your sort of optimizing dynamically optimizing sort of homo economicus with rational expectations and so on. In particular, the type of procrastination we're interested in is procrastination in the decision to refinance your mortgage.