Copyright © 2012-2013, User Experience Professionals Association and the authors. Permission to make digital or hard copies of all or part of this work for personal or classroom use is granted without fee provided that copies are not made or distributed for profit or commercial advantage and that copies bear this notice and the full citation on the first page. To copy otherwise, or republish, t...

Please retain this cover shee For membership or other in Bryan Goff, International T School o Florida State Tallahassee, FL The International Trumpet Guild (ITG) is the copyright owner of all data contained in this file. ITG gives the individual end-user the right to: • Download and retain an electronic copy of this file on a single workstation that you own • Transmit an unaltered copy of this ...

The paper extends the information gatekeeper model of Baye and Morgan(2001) to allow for different levels of store service quality ratings, which are usually observable with the store product prices in the comparison site. The stores use mixed pricing strategies in equilibrium. In particular, higher service quality stores tend to price higher and lower service quality stores tend to price lower...

Consumer credit is any of the many forms of commerce under which an individual obtains goods or services on condition of a promise to pay for their value, along with a fee (the interest), at some specific future date or dates. Consumer credit can take a variety of forms: bank loans, credit cards, retailer’s card, car finance schemes, etc. In industrialized countries, this form of credit has bec...

The International Trumpet Guild (ITG) is the copyright owner of all data contained in this file. ITG gives the individual end-user the right to: • Download and retain an electronic copy of this file on a single workstation that you own • Transmit an unaltered copy of this file to any single individual end-user, so long as no fee, whether direct or indirect is charged • Print a single copy of pa...