cosumer behavioor

8/3/2019 cosumer behavioor

1/25

039.4208942,,30,/;07983248950450934190,704883,943,5:-.,94381:41--7,3/,/;07980783/92,800204:743-:83088/40839-043,438/090-:80850.,14:/439804:7574/:.94:98/0,430:3/70/207,/:8470;034:98/0414:74389,90:99,98:8934990.,80

31,.9986:905488-0903099204:45034304194803,943,2,,30894800,3,/147,-:830889,987934:7439439,9:89,89,94304.,943%,98-0.,:800,494149071472841,/;079832,33,943,2,,308,;04.,80.9438,20/,982,07-:83088081.4:78090804.,80.9438,70,-9,7079,3,94:2,-0:80/94.4;0738:.,70,8,8904790,894790$4:90895,7984190&390/$9,908$404:-070,.350450,4:98/04:730-4744/4:,84,997,.94.,-:83088,3/2,:894904.,848004:7,/4394805,08

484:/,/;079803904.,80.943841903,943,2,,30894:9/40839800284,91789-:89080,/8,7070,44/14782,3.08947089,9.,77;07850.,0/574/:.9804--9028!045097,;070,9/89,3.089413/,308:5507470507947

850.,891479074--,3/908570,/9047/414:708903.09449078982,739070898%080,/8,70,8443/071:14:,;04.,9438324709,3430,70,41,389,9047324709,343089,904:.,3574-,-.4;072489470;03,419029:89430,/190,1,394430419480/0047,5.,,70,89,9,7084/,84.,0.901789105,0841,32,,309413/.439,.931472,94314790,/;07983/05,7920390704:.,3,8147,20/,9,3/0931472,943437,908,3//0,/3083/-08:7094,8147,2,59,98484:,90,.4.,90779473.:/08

1.4:780,/;0798332,,30893,943,/897-:94384394-005038;00;0314:7043,/;079833904.,80.9438,3/98349-090,944147248982,472/80/-:83088084:/43970,300/94.,898:.,,70309,94:70,300/894

.44805:-.,94389,9,70.480,884.,90/94:79,7092,709

3045943894470,4.,917002,,3089,94:/13/374.07894708475,72,.08%014.:84190809508415:-.,94388434208,08.,78-4,98,3/4907945.84:;0574-,-5.0/:54304:78014:7-:83088/40839,;09490/70.939490945.841,343041902,,308,843,89070,/0784194802,,3084:/,84-039070890/34:7574/:.947807;.0#0202-079890,:/03.09,9.4:398,3/4:.,313/9,9,:/03.03,33:2-07415,.08%0.439,.931472,943147,/;07983390805:-.,9438,84-04.,90/93901789105,08309394-0,,704189,9908095084117005:-.,9438,705:-80/43/11070398.0/:0884209208:89,109208,0,73/024892,,3084:7/0,/30-0,,0,/415:-.,94384/439,9:3990,8923:9094.,945,.0,3,/

30,/;,39,0412,,3080850.,24390889,990,;0,2:.4307801109,33085,507890,7041903-7480/974:14724398,19075:-.,943$44:7,/29,;0,3,:/03.0147:594824398,19079839,38079434704;0770,/0788503/247092050789939,2,,309,3,3085,50784907082470.,3.0907:3,.74884:7,/


2/25

42,9907.950415:-.,9434:70-:385,.03-08:7094,89014436:089438-014704:5:7.,80,3,/85,.0

O ,98902,,308.7.:,943O ,9,7090/0247,5.8419070,/078O

4419038902,,305:-80/O 489/897-:90/O ,9,7090850.,80.943847902085,330/147900,7

8434909,94:,;090455479:399,2,,308948,;02430430,.,/-,7003947:3,3,/324709,343088:031,.9-014704:-:85,.03,32,,3098,44//0,94800.-:83088089,9,709,7093908,20,:/03.0,84:,/;0798030,.2,,3043,.43889039-,88#0202-07190,/807039473904:/39-0907088:0,190788:0

4:.,313/5:-.,94389,9,70,557457,901474:7,/;07983300/8-443974:

7010703.088:.,890/70.947085:94:9-90$9,3/,7/#,90,3/,9,$07;.0$#$%0$#$/70.9470889,90700;,3931472,943,-4:9.438:207,3/97,/05:-.,94383.:/3,8479/08.75943410,.5:-.,943980/947,.4390394905:-.,9434084:994,3/-70,/4341.7.:,9431:708&839831472,9434:.,3.4250,89415:-.,94388:9,-01474:7,/;07983

4724703/05931472,943.439,.9,3,/705708039,9;0,90,.5:-.,9434:;0.4803,3/706:089,20/,9%080.439,38,250.450841905:-.,943/09,0/31472,943,-4:9900/947,.439039,-70,/434170,/078/0247,5.8905:-.,9438,/7,908,3/,3,:/90/.7.:,94389,9020391742905:-807

%070,7094572,7,:/9890:/9:70,:417.:,943,3/90:83088!:-.,9438:/9!:/90/.7.:,9438,70847389,9020398-905:-807;0710/-,34:98/084:7.09,9905:-.,9438/897-:90/94903:2-074150450.,20/390.7.:,9431:708

99831472,9433,3/4:.,3:/090.4890110.9;0308841,/;079833,5:-.,943-/09072339070,94385-0900398.7.:,943,3/90,/7,908%87,9484:7!47.48950794:8,3/470,250190.7.:,9438,3/907,90147,1:5,0,/8/;/0-4:/8009,9,/;079833985:-.,9434:/.4899470,.0,.94:8,3/70,/078

80,813/34:90,.5:-.,9438!36:70,-4:9,93/41/0,84:.,3474:9990,/70517420,.5:-.,943470,2504:.,3842092083049,90147850.,54894333905:-.,94338/09017439.4;074390-,..4;074793901789105,084190-44,7057204.,9438147,/8!:-.,943841903.,70,3,//943,94507.0394190,/8.489147850.,5489433-:914:70,44/3049,9474:.,38420920809914734,//943,.,70,8,81474:7,/94-05,.0/390178997/41905:-.,94307070,/078,70,599470,/2470.48043,79,3/5,0.8349.438/070/850.,5489433


3/25

4:.,3,843049,90990,/70543,1706:03./8.4:3914:7:34:7,/97009208892084792083890,/41:8943.04:09,70/:.0/7,901470,.3807943!:-.,9438,;089,3/,7/1706:03./8.4:398-90$#$/70.9474743907,90.,7/90,/705;084:-:94190390705.,3;04:,30;03-09907/0,9,39089,3/,7/1706:03./8.4:39814:7:34:7,/43,70:,78.0/:0,3/190705,3984:7-:83088

4892,,308,8441107945,.0,/8439070-89084209208,9,;0770,843,-0

7,900;03147170014:70,/;079833907,7/.4588:0814:.,3839,3/

4:7039070890/380347//04770,.3,/07,:/03.034:743420943

988,70,9/0,08:70945:94:70-,//708847075739,/342,9907

07097:38,3/5:9,3434:74330,/9,99,085045,,30

/;07983%7,/0$0.7098

4579$9:/4!74/:.943879903-,;/3,77

3905,89,/;0798078700/432,,30894/0;07907,/89490-:35:-.1907,7:333,3,/3,2,,30,82:.08805038;09,37:333,3,/433,943,%'47#,/4%8,80850.,97:014:0702,7093,574/:.994,3.02,709470,2500988,4:.70,90/,;/044344/4734:70,4:/397:3,3,/14790;/04433,943,%'4:4:/7:3,3,/3,2,,309,9.4;070/44/473%84:/-02:.2470.4890110.9,3/94:/-0990794:79,7092,709

3905,8983.090,/;0798078700/840,;43902,,305:-807898088039,5:9902,,305:-8078390/7;07880,9,4390294.,7049412430947:390,/8472,30,782,,305:-80780340/.7.:,9431:708,43970;03:01:7089,839,7/147902,,305:-807894,997,.930,/;0798078090783.090070902,3,/;07983,;03:0$3.0903938,;0.,30/470,3/2470,/;0798078,70090724;3,,17424770,970/:.39075739,/;0798331,;47

41,/;0798343900-%8,80110.9;09,03902,,305:-80784:94190/7;07880,992,,30,/;07983887335:-8078,70,;394.:9.4898-090770/:.358.,8041902,,30473903:2-07415,0850788:0$4202,,308,7034435:-80/43900-8490.,3023,9057393,3//897-:943.4898049072,,308,;009072070/4790,;04304:941-:83088,

$4204190

!74/:.9801107


4/25

940907,,305:-8078,70,848003903:2-074170,/078902,,30.7.:,943/745/7,2,9.,,850450,7070343903907309940990731472,943574/:.970;0830809.3890,/41

,93147902,,3094.4204:9%4/,2,,305:-8078,70897:3940059070893,/;079807809730;03,7/079470.7:930,/;0798078%0,70,;394.,30901472,947.43903914.:841902,,30347/079400570,/07839070890/034:849070,/0780058:-8.7-394984907.7.:,9431:708/439005074/30982,,84:3/0-,/3081474:90,/;0798079834931,.99;084:24700;07,09902,,30#0202-0790300/4:94,/;079803424709,30;07014704::25,9

833,3,/;07983.4397,.99070,70,109384:300/9434,3/9831472,9432,094:,30;03-09907/0,9905:-807090723390%7:07.:,94341,,,30,3/%88

25479,39$420414:29-09339,9,4:,;094/48.,905:-807,3/90904:42,350450902,,3070,.08794930.088,7%02,,30,/7058248906:4904:,70,/07851:70%8842,35045090,88:2070,/90

2,,30370,9902,3490;0357399,92,32,,308%0708,,209,985,0/3902,,3047/,3/9,894/499070,/07853:2-07847/897-:9433:2-078470,250,2,,302,904:9,94:7,/8439470,.4;0770,/078-:9904357392,,3080,.2439,3/4194802,,30494/0,0784730889,3/81478,0%,90,;0438:-8.7-078-:970202-079094/4:9,94:7,/8439470,.70,/07802,-034944:,70574-,-,9905:0/4344:,70439470,.

,70,/0780390435739.45089/408392,080380/4089%88-0.,:8084202,,308-,809071:70843,990.,,5,88,437,90%88070902,,305:-807810084:5,88902,,304394842043008043.04:,;01380/99471902,,3084394,3411.090390.4:39,10247070,/078949,943088:083.0984394-08003-4907504503


5/25

90411.0841902,,3084394,-7,790.4:399,9,880;07,70,/078%080,70:89,104190,890,//3903:2-074170,/078949072,,30940990770,/07853:2-078:5

0349,2,,30/4986:90,10/49072,,308;04:/897-:9431:7083890,/4170,/07851:708%0/897-:9431:708,7042,3.450841902,,30,7080394:90,.2439:94:89,;094-0.,701:990/897-:9431:7083441,2,,309,9803/84:9.4252039,78:-8.759438943899:9438,3/-:83088089405-4489903:2-07412,,3089,9,70/897-:90/0,.2439$4204190803899:9438,70578438

8.44-7,7082039,0,94859,83:783420809.0981309,990,70803/31700.45089490805,.089080.4508,7034970,.34:79,7092,7091907,3499442,357843078,704394-05,.347/078174290,/;0798078#034343/897-:9431:7082,349;04:,.0,75.9:70419070,/0789,9-080034:7,/84:.,38009070,7049841,8902,,308.,31:/09073:2-078034:7:3,3,/3,2,,304:70,300/943442,341908050450,706:,10/70,/078,;014:3/9,9190

70,/07,85,/2430147,8:-8.759439470.0;0902,,3090390,70,6:,10/70,/07%,9870.42203/944344,9903:2-07415,/8:-8.7-078


6/25

14:0;07.420,.7488,2,,309,9436:4909070,/07851:704790/897-:9431:70147902,,30,8190,70:/9:70,:417.:,943,:/90/190,70,814790248970.039.45%8;04:,494131472,943,-4:9902,,3088,083.:/3903:2-07415,/8:-8.7-078

190,70349,:/90/90708,34907,9413/4:9903:2-07415,/8:-8.7-07899003/41900,724892,,308,;0945:-8,$9,902039130785,3,02039,3/7.:,943%88706:70/92,,3089,9,702,0/4:980.43/.,882,%057399889,90203943.0,0,7,3/9.,30307,-014:3/3904;02-070.02-0747,3:,788:041902,,30439050.99889,90203994:254:9,3/7,-4:98248904394-0-:70/84205,.0390-,.41902,,309;0782,5739844:,704394,;09444,7/147938420.,808902,705739,70/:.0/.454190,.9:,5489,89,902039.2,090,8079470,/$4,9/40898$9,90203917.:,943904:39089,9020399089!,/,3/47#06:0890/$:-8.759438$,08974:0,078470889,3/8700897-:943019;07

4508,3/#09:7387420,078,3/0889,3/8%080,709070,3:2-078035,.0,3,/3,2,,3044,9903:2-07418:-8.759438/439-4907990$,08974:0,078470889,3/8%070,843884200,078439803/-,.90.45089,9//39803890,/902,708090294,2,,308459,9-:8-,.88:080,;0,2,,3084509,9390,70,0704:13/-,.88:08942,,3089,9,70,307017429441190.4;0757.0,3/842041902,,308,70:594243984/489504509,95:7.,804/2,,308,70-:390214790,79.0834994800,9830174290,/;07980784:29-0,83/43990:89803/902,,308

-,.,3/09.70/91479020970,/0503/84390/897-:943,70020399,990,;09902,,30$4202,,308,7084/,9,40757.09490/0,07190/0,07,700894005,:384/88:08470,250902,,302,,;0,.4;0757.041%0/0,072,5,50788:04390,70020399,99070834709:7357;0010.,3980,419088:089,924393904907,3/90/0,072,5,50788:0,3/903,;0907994709:7390:384/.4508147.70/9$4202,,305:-8078/439,39709:730/.45081742/0,078,89407890949,3:2-07412,,3089,9070/897-:90/1479,92439,3/9,940789074;07,/897-:9431:708$3.070,/4393442,3.45081742/0,078,7070,2,3994.:894207,3/8/439.4:3994808,08

,9,5503814:,39947:3,3,/3,82,2,,3047308099079,9/408395739,$9,902039417.:,943%0,700307,4394-02,0/4:9:83,-:5489,0507298490390,/941,14724:9,9905489411.00,.92090/4,2,3%8-09075,/5489,70.05989,9342,350.080702,0/,3/984:/-089,250/-905489411.0190,702,34:990308099074782,2,,30,3/:8389,2584:/-0.,701:


7/25

,84:,;034/0,42,35045090,7070,2,34:994,.3900,78,8803,33897:.943,;/0414790%,3/430787,3,3,/3,82,2,,309,9,80,70/94,7/8%,3/430783,09907902,,30803994:89089,90/0,;04;078:-8.7-07807,3,,15,0,/3902,,30

147970024398:78,080709077-040;07349072,,3088:.,8!2,,304:78,0807070,9.,0/902,,3085:-807,3/,80/20,.942,38:-8.7-0780,/94902,,30%89200.,20/4;0770,/078,80/242,3419070,/0780708:-8.7-0780147903091023:90849907:3,74:3/903,80/25439-,3147,.4541905,/5489,70.0599,90,89414:9032,3902,,304:91789.,88-:2,08,/9,90//39,;09414304:999,95439300,83-0.,:800,8:83,1789.,88-:2,507293:2-0743902,,30.,0/905489411.00700

,/901789.,88-:507291742,3/,80/90210,813,1472#0,.9200,82,34:9902,,30%0.431720/9,90//.,0/905:-807-,.,3/94/29,95489411.0,/9024310,3/314720/29,9,390/94800,.45%42,0,4389478479,-4:994008039-,3/70.0;0/,.459,9,889,250/-905489411.094;0719,870,9840/0,8432,34:9.45080,.24390,/.422990/17,:/-89,93390099079,90,/4;078:-8.7-07803370,90,/4300/088948,070.0;0/,701:3/147909700,/89,90//7:3,3/04980;07,24398411700,/;0798319079,9030;07,/;07980/9902,,3

9825479,391474:942,08:704:7,/870,5:-80/4397043:89,90,7800990,780098070902,,30803/84:,.454190,/9,990,;07550/4:941,388:08147,.454190039702,,3098,4:.,38000704:7,/,85,.0/370,9439490,79.0.4390394895:-8078/498,:942,9.,190439803/4:900397088:0-0.,701:,-4:9,/;0798399021,5:-807.439,.984:94,/;0798039072,,30,3/4:,;030;070,7/41902,8902803/4:94-,.88:08-014704:,/;0798099020.4:9902,,30-014704:83:5,3/7:3,3,/4:2,0;03,399489,799,82,,/9480014:09,370854380035,.3,/832,,308-0.,701:41905:-80747,/705708039,9;08

9,92,0.,2894:9799035744100/08.7-0/,-4;04:.4:/-05,3147,;0705038;0,/9,970,83970,.3,90504509,9902,,30.,28":,10/$:-8.7-078324892,70989070,702,,3089,9,70,;,,-043946:,10/8:-8.7-078%02,41107,5,/8:-8.7594347-0,;,,-0439030889,3/-:990-:4190770,/078,701742


8/25

17008:-8.75943945045046:,1147902420098906:,1.,9438/0503/43902,,30984202,,3080;074306:,14:,;094-0.,701:03,/;0798332,,3089,9,7017001476:,10/8:-8.7-07803842043085,3147,2,,3090,;0034:3907089399,990

,704394,399470,/91907,5,147,2,,309,94:7349439470,/3/94804/45,147,8:-8.75943,7024700949,090792043974:902,,30.2574;090.,3.084190280034:7,/99017002,,3089070,/07/40839,;0,33;0892039391907,90//395,1479$4902,3495,,82:.,9903943949,8904:/,2,,309,9905,/147470,09,984205045070,/902.4;0794.4;07-:99070,7094804:8915974:902,,30,3/948894:9190//3913/,339070893,79.039003/9080504503498004:75,/,/$42093,399454394:982,,3089,9,70572,76:,10/8:-8.7-07-,80/,70

/0503/34390,/;079807894.4;07,4190.48941902,,303.:/390/897-:943.489..,320,390,/7,9082,-0079,32,,3089,85,/8:-8.7-078#:333/83,0,,30 94:2,,308,70897:3174292094920,302,,3003907902,7090390/41908009,94:,70,/;07933,349072,,3090:8:,.439,.94:,-4:9,/;0798399020708,109381474:94.438/07-01470,/;079839902

,9/4907,/7,90844070900740747,-4:9908,209,94:,70.:770395,37090411073,33974/:.947,/;07983/0,84,70904394/897-:90902,,30%74:/0,0788:-8.7-0780--,80/09.42,38:-8.7-078/490,;070905,/8:-8.7-07847,7090170088:08434:9946:,10/8:-8.7-078

4//906:,1474-9,390808:-8.7-07842,388:08,70904394/897-:9070904394-0411073902,,30,8,0-5:-.,943490,394:945,:517439190/4/439


9/25

%080,706:0894384:300/94,8902-014704:,/;0798099023905,89;080032,,308.4204394902,70990343,1907,10243989014/4390;075705,147,/;079839,302,,30342,9907444/41,/0,9041107

4:3441,10504504//98439430;07800907,/7:3-0.,:80902,,3030;07495:-80/0390970/94.439,.9902,,3094099072430-,.9014:3/9054308070/8.4330.90/,3/2,,8-03709:730/94803/07%08,204/897:01470-890,/;079835,,84:40;075705,14780;07,243983,/;,3.0-4:9,0,7,449,.,1742,5:-807.4234:99,30;/042,,30%094/2090,/6:,10/8:-8.7-078,3/902,,304:/-0.4234:93,1024398$42093//3984:3/6:907994204//90096:,10/8:-8.7-078%02,,30,/390;03-0035:-80/09,3/94:/39-0147,102470

2439809902,0/,;073.08.44320/,923:8,38,25088:08%020/,9.439,380;07,5,084131472,943,-4:9902,,3090/0247,5.8419070,/078907,90.,7/14790/85,,/8,3/435,089,9390,/6:,10/8:-8.7-07803.439,.90/902,-4:949049906:,10/8:-8.7-078,8;03;07;,:0,38078$420930809,92,/020:3.421479,-0,8907,/;079837,908%0070/437905038;047005038;09,3,349072,,30

40;0790070411073,850.,/8.4:3994979024:9147:899700243984:.4:/8,;0411,90;07,/804:,390/947:394:,/94/4,85705,14790970024398/0./0/945,88,3/349,/;079809902%498/,;030;078003,32,,30347,;00;070,7/1742902,,3330,,3083302,,308,702,,3089,9,7034957390/435,507-:9,702,,308/897-:90/-

!1472,94784204907433057391472,9%0802,,30803/85,0/434:7.425:9078.700344:890,57390/2,,30.4250909,/;07983,79.08.,8810/,/809.48941902,70/0830/8414:..43,3,/4:-030//70.99490,/;07980780-890.8,-43:81474:,89070,/07/40839,;09444:54:70-890,907%0,709,03/70.9944:789009070,/07839070898,9980891474:7574/:.9943302,,308-0.4232470545:,74:13/,49415:-8078,7089,79394


10/25

411079072,,308-49,800.9743.,,3/357390503/343905:-.,94390702,472,349-0,8:-8.75943.,70147904330;07843084:70,/9,9.4770.9$4205:-8078.,70147;03902,,304330303,//94394.,73,49147,/;07983

$4202,,305:-8078411072470,79.0847;/04894,..425,390,79.083904330;0784341902,,30%0/49814780;07,70,8438%0/439,;05,14790097,57393.4894190,//943,,79.08,//3097,.43903994904330;0784390.,3:891908:-8.75943100890.,70147904330;07843,//32470;,:094904330;0784390,709739409504509489.17425739949000.9743.;07843

%02,370,84390,3994.43;07970,/078949000.9743.;078438.48998,49.0,507945:94:9,34330;0784341902,,309,398945,1479057393,3/2,3.48948420414:,7093319000.9743.;0784341902,,308.0,507945:94:990390,/;07983.4898-008809,98349,,890.,804:300/94.0.9905:-807014:3/84202,,30.,70908,20,/7,908147-494330,3/5739049072,,30890743307,908070:594.0,5079,3908,2080,/35739

$4202,,305:-80780;03411070/:8,5739,/9,1700,/39043302,,307904:/41107842095041.42-3,9437,901477:3333-495739,3/4330,897943049,90147,407,/7,900850.,147,34330435:-.,943,84:70,/439,;0,3,4134342,350450,7070,/3904330;0784341902,,308:70905:-807;04:1:708-:9902,349-09,9,..:7,90,3/-0247081:93343905:-80785,790708,908907,33%441902,,3080,/;07980/389.0/944330;07843843492,,308.,70/908,20,/7,908,800705,33905739;0784341902,,30$4,390/9480010907,/,870,5,31479801471,897432430,,

%7,.34:7708:98,80,8,.2,,30070411073,317424:7,/944:70-8900/0./0/945:9:5,850.,5,01470,.,/9439498,0.4:/5:9,.4:390743905,0,3/80042,350450070..434:7,/,88:75780/904302,,300307,90/43,,3/1:4150450..3434:7,/09049072,,300307,90/,494150450..34390,/


11/25

,;30,.,/394,850.,5,08434:78909,80,89497,.90708543800070099300/088948,0894550/,/;079833902,,309,9,80307,9343,,3/1:41..8043302,,308,70,7439703/3,49412,70983490;0743008902$420

504504:/57010794,;0,57390/2,,309444974:3890,/,;3948931743941,.425:907,70,/,2,,30$414:,;090455479:39947:33-495739,3/43304:29,399449,9,%5057392,,3080307,,;0,94/,0,/920-014709088:0.42084:994:7,/43302,,300307,,;0,490880,/920%820,384:,/-00380038443077,9079,3,907$2,,,308,3/08099078

%070,7084202,70980704:43,;082,2,,308473080990789,82,.7.:,943-,80,3/41,902489419080,;0-0.4204330435:-.,94381902,7094:,70473343411078908082,5:-.,94389034:,;034.4.0-:9947:3,/89902:89-0.,701:,3/,9.42:.90,70.,73147,/85,.0;07900,78;09,0/94,10$50.,3907089'/04574/:.0784/4473;0782,2,70989,941107433080990784782,2,,308%0,;07054790/9,99078,08,701,744/398950415:-.,943

40;072050703.0,843-00332,70980704:,;0,702,,3088:554793902,709,439,10419082,2,,308,3/308099078050703.0,8-0039082,2,,3084730809907830;07574/:.0/034:8,0894.4;0790.4894190,/40;0719082,2,,3047308099078,34330435:-.,94390,/7,90884:/39-094-,/$44:/8:0894:,90,89977:3338420,/89902%0,/;079837,90839080308099078,3/82,2,,308;,770,9$420419021009,9907,/7,908,;094-03309,990-2,,308,70.,73%88130147902-:9,8,3,/;0798074:,;094,9.44:8503/4:7,/;07983/4,78,84:,399470,.902489504504:.,390,.,/;07983/4,785039

7,3,908980;07,0,78,40707,3,3,/343082,2,,30.,/4304:994,-4:9504504-04394,574108843,47,3,943//3909,38,0841190,/87,399020;03039841,7,8947:3,411.4:543390,/,3/89//3909,370854380037,398,/,5,0,/3,,7072,,309,970,.0/50450.4890908,2080,/39082,2,,309,970,.0/50450.489


12/25

098/4902,99470,..03985075078439470,..039850750784384:.,38009,8247005038;094,/;0798099082,072,,30

0/,98030;074:.439,.9,2,,30,-4:9,/;079832,08:704:,890294803/4:,20/,94894190202,4:,300.9743.20/,9%031472,9434:.,3,31742,20/,9.,3-0;07;,:,-0,3/9.,3;04:8420389394909504150450470,/9,95,79.:,72,,300/,90307,3.:/0

8,25088:041902,,3047,394,.4541902,,3043307,90.,7/05,3390,/;079837,908,4,-0/8.4:398548943309./;07983850.1.,943889390/203843814790/1107039,/808,98300/0/147-,.,3/90,3/.44754947,58,92,907,8.,207,70,/09.7.:,94331472,9430503/343902,,30982,-0349324709,3,.4;070990789,93903:2-074170,/078924892,,3089831472,943-0,9902470/09,0/4:13//0247,5.8439070,/078,3/490789,989.,31472,943

%089,989.,31472,943.,3-0051:3/09072331902,,308439470,..:89420789,9,;0,339070893,94:,70411073470,2500988,,2,,30,8,8:-8.75943-,8041'/047,5078,3/4:,70933,-4:97:333,3,/3982,,30147,;/0443$4493%58147'/04,207,8%02,,3080394;0770,/078589,989.8849,94770,/07841982,,309,943,3.,207,9,349074770,/0784,705,33394-:,3.,207,

%820,389,9,2489,1419070,/07841982,,30,704:79,7092,70940988,4:,70/43,;/0443:83$43'0,80/938419,70%08,202,,30889,989.7054799,943419070,/078:80$43'0,88419,70940/9907;/048%070147043504509,970,/902,,304:/-04:79,7092,709343989504131472,9434:.,3,:00907473494:,39948503/90243090,70,83147,3,/39,92,,30349075488-98034:9,9490,/705


13/25


14/25

:

:

$059

.9

4;

0.

%89504131472,943,484:940,739,9902439817425794.94-07,7090-089243983982,7094:800902,,30349433.70,8083903:2-07415,080,.2439-:9903:2-0741,/;07980783.70,80,8/408907,/808490390,-4;0.,798420,/;0798078,707:3332:950,/84892,,308349;04:9831472,9430.,:8090,704394,394:9483,90;02439.4397,.994,/;079809902%0/439,3930,/;079807894800,990050703.0/,/;0798078,70,/34,3/90/439,394:948001902,709880,843,%0050703.0/,/;0798078,70,/34,9243989078,08/745411%089,79/438193907,//4,789482,07,/84734,/8,9,%831472,943,849084:034:/-090-0899209489,79,/;079833902,709&839031472,943,-4;042,3414:4:/,:3.,574/:.934;02-074,-4:95719,82094:/-057:89,8902,70980,93-,.:5,;331472,943098.,3054:2,0314720//0.8438,3/9.,3054:/0907230,38,089703/8470,2504:,:3.0/,33897:.943,;/04357,3/4;0790309102439890;/0484/70,0%03.4208$05902-07,3/8,0889,7994/745,990,3/0;0324703.94-07%03.42084;02-07,3/8,08/74594,97.04:2989,79945,3.4;074:78,0840;07,720/99031472,9433908570,/80094:4:/349,94:,700,/3394,3472,84/43147902,709%8,484:94,/:894:7,/8503/3,3/4907-:83088.4898%7,.34:7$,084941,/;0798078;09,0/944;07900,78/43997,.907085438090,7009931742907,/8%0,;0399014089/0,.,/472,,3085:390-089


15/25

70854380%070:89,55-0.,:8090,702,324301742907;/04847574/:.9840;0714:93,-4:9990.4:/-0,893243043,/89,9,70574/:.3034:8,0894.4;0790.4894190,/304190248983025479,399384:.,3/41472,7093,3,88894,890.:894207

9814436:089434//4:0,7,-4:9:8%03790/43907085438000593,44797,.99,8570,/8009%831472,9438;9,,84:,704394,399434.2,,3085:390-0891474:,3/.43084:,704832430314:,707:333,3,/3,343302,,30800190,/.,3-030/944:70-890,3/,;090,/394,850.,5,0844:.,3.4:39903:2-074150450;8934:789017429,9,/97,.3,414:78,08,99003/4190/,002439470,7.,3904:0,.9.84:7.041,/;079833.:/3.2,,3039073092,38701077,87050,98,0809.,700307,938,08,3/42,38,0817420,.84:7.0720/99831472,943

340,.9070948503/22,70932430,3/07034994%,;0-003,80/2,39208,-4:928419,705,.,09,9:80947:390-:8308898,.:89425,.,09,974902801998920983491478,0-:943482,-0/439074,/9-0$420-448;070,/,3/50450;09,0/948,,/;079800;07070190.:89420780084:7,/80;0707093.70,80907.,3.0841-:317424:384202,709898.,3-097:040;071742243507843,050703.0.,3904:9,98349,,897:014:7,/8,70803,574/:.9/70.98:.,8,574/:.947;/049/40839,,847

48420414:2,8,4:2,024304390-,.03/0390.:894207.4208-,.,3/-:82470574/:.9817424:08982,-097:040;0714:,703492,3034:243094.4;0790,/.48984:4:/39-03-:8308843034:942,024304390-,.03/4:,;0942,08:704:,70,90,892,3034:243094.4;074:7,/.48980708,30,25019077:333,3,/3,2,,30147824398440/,9903:2-07418,0890574191742908,08903:2-0741920890.:894207.,20-,.94:8,8,7050,98,0,3/90949,.489417:33390,/147824398070,70903:2-078147,,15,0,/9,97,334302,,30

24398507,/949,,/.489%49,8,08174298,/,8/:7390243988,08%057419410,.;/0484/,8%49,574192,/0#050,98,08!7419410,.7050,9;/04


16/25

%49,57419437050,987,3/949,41574192,/01742982,,30,89,3,/.48941

0489,949,41:.,990920,87:333,/8349072,,308.050/9441180990488$3.0982,,30//80;/048//395:90,/,940907-:9//70/:.090804190,/1742,,15,094,5,0,3/7,3147247024398070,70903:2-078147905,0,/24398507,/949,,/.489%49,8,08174298,/,8!741917420,.;/04

%49,574192,/0#050,98,08!741917420,.7050,9;/04%49,57419437050,987,3/949,41574192,/01742982,,30,89,3,/.489412,/0,82,5741941

,3982,,30,/82,07.7.:,943-,80418420070,74:3/9450450%07,/.4898;8907.7.:,943,83,349072,,30,85,3,-4:9147,,15,0,/32,,3089,5,/8:-8.7-07-,804150450%0807,908,70174280;07,0,78,4%8,/,85:3:5,7/894,7/847/07850724399,74:3/47/078147,24395074/4190,-4;00,2508070-,80/434394;/0488,//0/2470;/0489490574/:.9304;07,;/048,08039:570,89,790/942,024304119,9,/0397002470;/048070,//0/944:730039-,.:594,,15,0,/,3/34,88039700

:3/70/;/0483,824395074/.2,/0,5741943901743903/,3/90-,.03/,/349-00397,.38,0884.4804:/,;030;07343190,/,82,32430$3.097,.0/90,/708:989,40/20942,0,/:8920398944:7,/808490,/-0.,20247057419,-01907,9,98903,204190,2094574/:.0,57419,3/94-:/,-:83088


17/25

4483904770.9/$0147!739 84:8,390,-4;00,2500390,/80,870/:.0/1742,,15,094,5,08,08//39/7459442:.%0.4894190,/8:70//

4:2,13/9,914:,709043430,/;07983,;/0443,5,79.:,78:-0.93,2,,309,9,82,,/2,470:89,80,8,,707,/,90;074:/489,7982,,3/0990,/8074439:2539,830;/04,3/9,0,1:5,0,/:308890,/85,.08;07.0,50,78,4,4941-448432,70938,/504504:/,;02470.431/03.0-:31742,.425,39,70,/8;882,,/8%38,;0.,30/0850.,990433047/0;0394/,/;0798078,7013/39,982,,/.,3,;0,970203/4:85:%4/,99039073092470,3/2470,/;0798078,;070/:.0/907,/808%0:80905739,/94/7;050450949070-8908,;0/43098070,9$9:/4!74/:.9438,3/98

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038420.,8089,92,-097:04:84:/3493901789243914:7,/80307,93,3708543804:84:/800,33.70,8030-97,11.,3/,3.70,80347/078,8810//8$42050450904:9,9.,8810/,/83,2,,30,70,,89041243004907880,7-90214:,39947:3,3,/390.,8810/80.94341,2,,3098-089947:3,82,43047943./85,,/390.,8810/80.943%03,88,08.42033.70,8090,/801472470

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18/25

/!,.0203907084:/4:7,/-05,.0/390174392//047-,.41902,,30408970,2,99070503/343902,,309.,32,0,/110703.0034:5,.0,/85,,/

4:.,384209208706:089.079,354894334190,/470,2504:2,706:08990,/-05,.04390795,04:98/00/04730,7901743941902,,300503/343905:-.,9434:2,472,34909,94:,39-:99/40839:7994,84892,,308.,70097,1475489433,3,/:8:,-09003,3/4190,/.489$4202,,3082,,;070897.94384390,/803901743941902,,307,33949843.0431:5,014:7.447,/8070,40/390178914795,0841902,,30%082,07,/8495,.0/94,7/890-,.41902,,30/89,9,705,.0/309949090307,903/945:-09907%070,843-03/98809070,/078503/892043905,070,/39090990,702470094,3.04;07,990,/9,9

83099494:300/942,08:704:,;0,44/89743,3/390708930,/303.04:7,/,8907,99039434:,399029470,/9070894190,//89,9,70,3/5,0380,70:8:,9043,/43905,0,3/-05,.0/3099490994:982,;,717422,,30942,,30$4202,,308-4.90,/894.079,380.943841902,,30470,2503842054947,52,,308902,3:1,.9:7078,2489,,8800294-0:5174393902,,30-:990/0,0789,9,708039006:52039,704.,90/390-,.41902,,30%870,839,574-02398950412,,30,8248970,/0783498,3/0390,39945:7.,80,.,207,47,3490750.04106:52039900,/897,99490-,.41902,,309413/90/0,0781902,,304:,70,/;0798338,/4:90989034:

29/4-09907390-,.41902,,30:9,9,-4:990,/0993489,243,904907,/8390-,.92,0948994,5439844:,;0942,04:7,/89,3/84:9,243907089-:83-4/0,/308.4397,893.4474770;07805739#0202-0719070,/074089490-,.41902,,309444147574/:.9894-:903.,3.08,709070,/47,3.04;07,4190,/8390780,7.$42,04:7889,3/4:9%0708,80.943384202,,3089,982,/0:541,,/8%8,70,8:8:,,,709!,.0$0.943$420920890,/8,70,908,208047902,-0,;,70941808%0,709!,.0$0.9438:8:,30,790-,.41902,,30,3/9880.94324890

,;0,407,/.4899,3,70:,7/85,,/039,39/1107039,/;07980782489419028,/90//6:900390,709!,.0$0.943,890109248970,/0784:/8945,3/444;079880.94394800,983040;079070070,109,9//390,/;0798339880.943,890109907,/,8349-0380039,80993489,243,904907,/8%0094,/;0798339880.9438942,090,/70,89,3/84:9124894190,/839880.943,703-,.,3/909032,04:78.447&80-4/.4478,8-47/07847-4/.4478,8,-,.74:3/94054:7,/


19/25

89,3/4:9,24390490781902,,30,8,/8,974:4:99,9,70803/70.99470,/0789794,;090,/5,.0/30994,3,79.047,70:,7.4:23/89,9,705,.0/3.079,380.94380574/:.970;08/439,,85:,80,890/4035,.0/30994,3,79.0%88/:09490

1,.99,93490;0743070,/890574/:.970;080.9438-:924895045070,/90,79.08,3/70:,7.4:23844190384:/4:.,304:7,/ $4202,709350450904:949780;07,/1107039,/8,3/90389.9490430.5:89024898,08098813014784202,709840;07,;014:3/9,94:84:/.,304:7,/4190300590,/1708,3090574/:.9847,4:94190,/034:7:3908,20,/2439,190724399070:,770,/07885794;0793/,9

,5503814:,//,30574/:.99490,/190,/84484.48094904/,/504504390;035,,99039439390,/8,;07:3.,309020;07.4:504124398$4209208:89.,3090.447841909094790-,.74:3/.44789079208.,3090,4:94190,/%8005890,/1708,3/,;0349.0/92574;088,0809934:7/0830/4:.,3/0834:43,/892489,3/089455:-835747,28:.,8.748419

!:-80747/4-03083844:.,3/0834:7,/98419,708:.,8/4-0!49484547,349075,398459505747,2$503/8420920443974:2,,308,94907,/8,9.,9.084:700443,94907,/8,990,70803,3/490,;090,/,/4:9%8;04:,4941/0,843494/0834:7,/490,23498,394.4584204300808,/,9,28,3894800,94:04:941907,/8,3/80044:.,33.47547,909,93944:78%070,7080;07,950841,/89,9,706:90.42243%0,70

70.9$,08/8%080,70,/85:75480942,0,/70.98,0949070,/07/89,9/70.94:94,0-890%895041,/:8:,,880;07,574/:.984190394:9,357.3%0/0,894099070,/0739070890/,3/14790294494900-147247031472,943,3/9447/074330%0,/8.439,3,/70.9;08:.,8;894:70-8901472470574/:.9847;894:70-890147247031472,943%895041,/870,914743302,,3089,941107,3174290,/944:7890


20/25

!7424943,/80,;0,8003,/8098/8147,.,207,1742,2,3:1,.9:70747,/81478408%0,7034980390574/:.9/70.9944:90,70574249390574/:.92489,,/;07980784,70803,574/:.9:80901789,3/80.43/2094/890/

,-4;0:308890,70803907574/:.9974:,/0,0730947,3/349/70.99490.:89420770.42203/4:49490-7,747,-4489470,3/098420-44843,/;0798347,//083%0.439,3,0,94131472,943,3//0,8,4395039410,250841,/8%080-448;04:247031472,9439,30.,3.4;0707043494,4:94:7,/03/08334:7,/.0.90,.2,,309,94:,7043947:3,/83,3/800,9907706:7020398,70

14:,70349394/08334:743,/89030.984204301742,4.,.400480,7337,5.,798,3/709020.4330384204190147:289480014:.,313/,7,5.,79894:.,370,4.,7,5.,798994.70,904:7,/8$001902,,30411078,//083807;.08439,.9,4.,,/,03.%8-090248905038;0,944

0!4398474:7/048,/08.7594341,3,/9,9,87:3-,03902,34574/:.0/,8070841/497,33;/0480.70,90/,8250,/9,9//;07014728,/,.4594844:-:9/439$4;0,/08.7594341,99440/0%7,34:7072,3$0507/,54944190;/0480,731742,!74108843,%7,307

4739,072,3$0507/4;078,8.94/;,3.0/%7,33147,.'/04$''/0481474%7,33.42%0,/,88250-:90110.9;0070,70900543984190,/


21/25

%00,/30,8,70,3/.,:990,990394341072,3$0507/43078%05494,83.447,3/3.:/0/,;4:208

%0-4/419090990/8003,574108843,97,3079,072,3$0507/%057.0410,.;/04,3/9057.0147,9700;/048%0,%4.943%8890,489,90203914:,70803/70.99490.:8942072,08:704:7,/.4;078,4190,-4;0543984:7,/84:/,,83.:/0,.,94,.94389,9020398:.,8,4,%4/,:77,409.%080,.94389,902039870,/447%0/70.99070,/0794/4842093,3/19050784370,,8,3390708934:7;/04982,,.9:,.,:8090507843945.

:5905430,3/.,4:14:7,//70.9890294900-9447/0790,.94389,90203988:.,8'89:70-890%4/,7/07,94:70-890409..,:80,494150450949,0,.943,3/4944:70-890090,70933,-4:99%82,80024-;4:8-:92,08:704:,;04:754303:2-07,3/470-,//7088390,/84/4:-0.0.942,08:704:754303:2-07,3/0-,//70888.4770.9/4898

%070,7080;07,,89470/:.04:7,/;07983.4898147,334:80,03./8.4:39%88:8:,,94/8.4:39411905:-80/,/;079837,9084:300/948:-294:743.,207,70,/,79474892,,308,..059,3,/,8,!!47!494845101706:03./8.4:39%880704:,700947:3,3,/147842,39208470,2504:,39947:3,5,0,/1474:7574/:.93,2,,304:2,13/907,908890/098

%207,90%207,90%207,90%207,9084:.,38009024709204:.4229947:3334:7,/9040790,/.48970.9#,90847,7/07#,908425,308/0,3/70.99905:-.,3/349974:


22/25

7080078,70.438/070/,2,47/0747/70.98,08.425,3$4202,,308,,;0/8.4:397,901479895041,/;079807,08:704:,890,/705,9902,,3019041107,3850.,7,90894/70.98,08.425,308472,47/07.425,30814:,70,30,/;0798078001902,,30,8,39504130,/;079807/8.4:39%8

,8470/14720,;070.0;0/,90;09207,9043,9700920.4397,.9%8,40/20948001902,,300307,9047/07899003/419097009207:300394394.422994,90;0920.4397,.9049,90907,908,;09,0/94907,/;07980784,;0-003,-0943049,90-099077,9089,3,9,7057390/43907,90.,7/0850.,83.02,,308300/,/;07980788,-4:97023,3985,.0%8885,.0902,,30,80194;07,3/90:8:,97941979-014709088:0.4808474089457393#023,3985,.0.,3-0'#305038;0890,/705,-4:99

2489,2,,30,704394,394:9483,.4397,.98,39,94:7:34:7,/,.079,33:2-07419208/:73,0,79700920.4397,.920,384:300/947:34:7,/97009208/:73,4300,75074/4:.,37:390,/4;079700.4380.:9;024398477:390;074907243914797009208477:390;0714:72439809.90307,/408392,9907034:7:39,843,890,/7:389700920/:73,4300,75074/014704:83,3.4397,.99902,,302,08:704:34,-4:9908:-8.7-078/0247,5.809.9,90.4;070/0,707.,3989708898034:2,,308,70:793147,/;0798078049,909902147-099077,90847/8.4:398,3/147,-,3307,/439070-890

0383390,/.4397,.9.0.94800190708,3503,914:70/:.04:7,/80984202,,30814:83,.4397,.9147,5,0,/,3/4:13/4:7,703495:3034:8,08,3/4:574-,-,399470/:.090,/809484209382,0740;07902,349094:/0503/34390.4397,.919,9890.,8083,.4397,.9147,5,0,/479082,089,/4:.,39037:3,,707,/%0:8:,/439,;0,574-0214:,39944:53,3,/80-:990/43909034:4/43

0,/%208%00,/92089092099,081742034:8:-2990,/94909209,92,,3088:0.42084:90,/9208,70:8:,89490;0008/0503/343902,,300988,4:,7043945,.0,3,/3,2,,309,90;0000,/920%,920,384:8:-294:7,/43:304:7,/439.4204:9:39$059,08:704:,9.4:70,/9208844:34034:7,/,550,784/4391470914:,39947:3,


23/25

4/,850.,4:,;094,4:990,/0,7034:70202-0743.08003,.425,37:3,3,/147,7892,8850.,9,8393900.02-0747,3:,788:0-:990708,830-7:,788:0

%04;07,90$4202,,3082,,;0,.4;07/,90414302439-:9.4204:93,34907070,70940,2508412,,3089,90,/;079803,,30,;0,.4;07/,904157-:990.4204:9390-0333472//041,7.,,30,;0,.4;07/,904157-:990/439.4204:9:399003/415747

9017890041,0.94800039088:08,.9:,.4204:9%8-025479,3914:,7043947:3,8,0474:,3994,334:3.0,30574/:.941903$4:/#:3/8 %0708543804:0999,96:08943;,770,9$4208,7:390,/0;072439,3/90770,84381479,9,38078

%800584:7,/317439419070,/07840390,7070,/94-:4:7,/8390.:770392,,3088:0%800584:73,204:99070,3/90.:8942070981,2,794:$42010099,0890,/-0380034724709208-014704:099070,/078,9903943,3/147902949,0,.9439058-:/3,2070.439431504508004:7,/2439,190724399070.4304:7.425,3

9078,7:390,/0;0749072439470;071088:0841902,,30%0770,8438,704:7,/8-038003-908,20.74/4;07,3/4;07,,3190,704394-:90-:0390,703300/4190574/:.9,3/349,8,708:94190,/7:3334724709208


24/25

4:7,8932430-7:33390,/147908,20574/:.980;0724394:84:/749,904:7,/;07983-090035739,3/903907309$4.,419338.4770.949,8970,/0503/8434:72,709

%047/3.,3394,3433047/95045027,932470,3/247094900-940990731472,9434:300/940059,9390147017439414:723/037:333,/840;07/439/8.4:395739,/;07983,940907%7,.42-3,94341-49,;03:08%77:333842082,5739,/0;0314:437:3,5739,,109208,0,7


25/25

0/70.9944:743890

42,9907,92,,304:.448094,/;0798034:72088,0300/94-089743,3/00.,9.34:43,;0,1080.43/8947,-9070,/078,9903943,3/5:90239470,/9070894190,/-4/7,5.,3/,3390708930,/30054:2,0,.4330.943

970,/0787941190-,9%07,5.,3/900,/302:89.42094090794535439,574-02,3/41107,84:943949070,/07

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cosumer behavioor

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