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This document examines the impact of direct mail advertising on consumer choices regarding home equity debt contracts, particularly analyzing how persuasive advertising influences borrowers\' decisions between fixed and adjustable rate mortgages. It presents empirical evidence indicating that borrowers who received direct mail solicitations were significantly influenced by the advertisements, often ignoring important financial indicators that would typically guide their choice. The findings...
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Pere is a term used to refer to the Personal and Household Expenditure Report, which is utilized for tracking individual and household spending.
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