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SEGMENTATION: The marketing process by which a company divides a heterogeneous group of buyers in segments. Each segment has similar wants and needs. The company uses a concentrated targeting strategy to sell their products to this group. A different marketing mix is created and used for each segment.

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SAVINGS AND LOAN ASSOCIATIONS

Depository financial institutions that were originally established to assist home owners with low-cost mortgage loans using savings deposits. Savings and loan associations (S&Ls) offer checkable deposits that are part of the M1 monetary aggregate. While S&Ls are not "officially" chartered as banks, similar to other thrift institutions (credit unions and mutual savings banks) they do function comparable to any traditional bank, offering a wide range of deposits, loans, and other financial services.

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Today, you are likely to spend a great deal of time looking for a downtown retail store wanting to buy either software that won't crash your computer or any book written by Stephan King. Be on the lookout for strangers with large satchels of used undergarments.
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Cyrus McCormick not only invented the reaper for harvesting grain, he also invented the installment payment for selling his reaper.
"In a time of drastic change, it is the learners who inherit the future. "

-- Eric Hoffer, philosopher

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