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January 28, 2026 

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PERCEPTION: How a person interprets the sensual inputs received through seeing, hearing, smelling, tasting, and touching. This process requires the individual to select, organize, and decode the various stimuli surrounding him/her in the environment. The important thing is not what is said by the talker, but what is heard by the listener. This process is critical to understanding consumer buying behavior.

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CONSUMPTION EXPENDITURES DETERMINANTS

Ceteris paribus factors, other than income, that are held constant when the consumption line is constructed and which cause the consumption line to shift when they change. Some of the more important consumption expenditures determinants are interest rates, consumer confidence, wealth, and taxes. Due to the relation between consumption and saving, these determinants also cause corresponding, and opposite, shifts of the saving line.

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GRAY SKITTERY
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Today, you are likely to spend a great deal of time surfing the Internet seeking to buy either a country wreathe or galvanized steel storage shelves. Be on the lookout for jovial bank tellers.
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On a typical day, the United States Mint produces over $1 million worth of dimes.
"Even a mistake may turn out to be the one thing necessary to a worthwhile achievement."

-- Henry Ford

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