(TOR). TOR can help researchers and marketing managers by explaining how consumers may interpret visuals in advertising …. TOR explains why some visuals thought to be unconnected with the product become relevant in advertising. This study makes … is used to provide greater explanatory power of consumers' interpretation and response to advertising visuals than what …

The retail sector spends millions of dollars each year advertising to consumers. This is a considerable investment for …

The main goal of Master thesis is to analyze U.S. mortgage crisis and test its influence on the particular Lithuanian … market player, pointing the drop and stabilization of its financial indicators. To reach this goal mortgage crisis reasons …

estimates of their creditworthiness. This contrasts sharply with mortgage markets where lenders specialize in specific risk … categories of borrowers and mortgage supply is stepwise linear. The contrast between continuous lending for personal loans and … discrete lending by specialized lenders for mortgage credit has led to concerns regarding the efficiency and equity of mortgage …

nonprime and prime loan default and prepayment behavior. Nonprime loans are identified by mortgage interest rates that are … to call the mortgage or refinance is in the money and this effect is magnified for mortgages with low credit scores …

This paper examines the nature of mortgage credit rationing across geographic markets and time. Particular attention is … paid to the response of conventional mortgage supply to higher risk conditions associated with regional recessions. We … applications, as well as FHA and conventional rejection rates. Results of these four tests indicate that conventional mortgage …