However, the fees declined sharply in 2009 due to a decline in card income resulting from lower cash advances and lower interchange fees caused by changes in consumption patterns in the recessionary environment.
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Yet according to a report by the United Nations Office on Drugs and Crime (UNODC), published on June 23rd, changes in consumption patterns and production techniques mean that the trade is becoming less globalised and somewhat less alluring.
Both companies have long enjoyed near-monopolies in their respective industries that are now threatened by shifts in media consumption patterns enabled by the internet.
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Changes in electric use by demand-side resources from their normal consumption patterns in response to changes in the price of electricity, or to incentive payments designed to induce lower electricity use at times of high wholesale market prices or when system reliability is jeopardized.
"It excludes the majority of housing costs faced by homeowners and differences in calculation mean it may be considered a better representation of the way consumers change their consumption patterns in response to price changes, " the 2010 Budget document explained.
In addition to the major industry sector shifts that are underway, there is also a geographical shift that is changing consumption patterns in the country.
For these goals to be meaningful and comprehensive, many would argue they have to cover consumption patterns in rich nations.
And of course even when that high minded (and might I say single with no kids) individual committed their principles to action I would want to wait for the longitudinal study to come in before changing my consumption patterns.
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The implications for business are that healthy Japanese pensioners are living normal lives for longer: in other words, they have consumption patterns that are not that different from those of younger people, although they tend to spend more on services and less on goods.
Consumption and savings patterns are changing in the developed and emerging markets.
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But singles are multiplying in emerging economies too and are changing consumption patterns.
In times of economic woe, when normal patterns of consumption and investment are frozen, prodigal government spending can sometimes be the only way to break the vicious circle of declining demand and shrinking employment.
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With respect to the arbitrage support for WTI oil, we view global oil consumption patterns to be relatively intact despite recent slowdowns in emerging market economies (especially India and China).
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To this end, the first thing to do is to learn: find out about biodiversity in your city, region and country, and about how your consumption patterns and everyday actions impact biodiversity both locally and globally.
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But in the real world, rising prices cause companies and consumers to change their consumption patterns.
That strategy remains highly consistent with social consumption patterns that revolve insight and perspective from knowledgeable individuals a trend we believe only intensifies in the rapidly emerging mobile world.
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The challenge to traditional consumer consumption patterns (which is driven by creating demand for items for consumers to purchase and own) lies in questioning the need to always own something.
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