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COLLECTIVE BARGAINING: The negotiation process between a union and the company that employs the union's members -- usually going by the moniker of management. The purpose of collective bargaining is to find mutual agreement on wages, fringe benefits, workhours, promotion criteria, grievance procedures, and everything else that has to do with employment. The end result of this process is a collective bargaining agreement, which is a formal contract between management and the union. A negotiation process that breaks down without reaching an agreement might lead to a strike, lockout, or mediation.

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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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Today, you are likely to spend a great deal of time searching for rummage sales looking to buy either a how-to book on meeting people or clothing for your pet iguana. Be on the lookout for the last item on a shelf.
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The average bank teller loses about $250 every year.
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