(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 …

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 …

alternative insolvency institution, namely the mortgage system, mean that firms and their creditors mainly deal with credit … provision and eventual insolvency through the latter. However, in order to use the mortgage system, some firms must overinvest … in capital assets (real estate, equipment) since those are the assets that can be pledged as mortgage collateral. This …

the Spanish bankruptcy system relative to that of an alternative insolvency institution, the mortgage system, and the …

than the main alternative procedure, the mortgage foreclosure ; (ii) personal bankruptcy law is unattractive to the …

Programmers can distribute new software to online users either for a feeas shareware or bundle it with advertising …