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	<title><![CDATA[consumption Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/consumption.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to consumption]]></description>
	<s:counts start="0" returned="20" found="28" />
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		<title><![CDATA[Kellogg Company Q2 2009 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14040_23-326834.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator Thank you. Operator Instructions Your first question comes from Robert Moskow - Credit Suisse. Robert Moskow - Credit Suisse  I just had a question about the sales growth. You know it came in a little bit lighter than what we had hoped. The Nielsen data...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Thu, 30 Jul 2009 12:33:18 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/credit+suisse+group+ag.html"><![CDATA[Credit Suisse Group AG]]></category>
		<category domain="http://resources.bnet.com/topic/inventory+reduction.html"><![CDATA[Inventory Reduction]]></category>
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		<category domain="http://resources.bnet.com/topic/sales+strategy.html"><![CDATA[Sales Strategy]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">K</category>
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	</item>
	<item>
		<title><![CDATA[Can Americans Stop Spending?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/retirement-planning/article/can-americans-stop-spending/315322/]]></link>
		<description><![CDATA[Get over that image of Americans as debt-ridden consumption addicts. The Great Recession will teach us to find better things to do with the time and money we have left — at least for now.  Right now, as we lick our financial and career wounds and poke our 401k...]]></description>
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		<pubDate>Thu, 25 Jun 2009 00:00:00 -0700</pubDate>
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		<category domain="http://resources.bnet.com/topic/economy.html"><![CDATA[Economy]]></category>
		<category domain="http://resources.bnet.com/topic/bill+gross.html"><![CDATA[Bill Gross]]></category>
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		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/gian+luca+clementi.html"><![CDATA[Gian Luca Clementi]]></category>
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		<title><![CDATA[Marvell Technology Group Ltd., F1Q10 (Qtr End 05/02/2009) Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14061_23-306234.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator Operator Instructions.  Your first question comes from the line of James Schneider - Goldman Sachs. James Schneider - Goldman Sachs To start off, could we talk a little bit about where you are in terms of shipping to end consumption; you&#8217;ve talked about the overreaction...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Thu, 28 May 2009 20:27:21 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/credit+suisse+group+ag.html"><![CDATA[Credit Suisse Group AG]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
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		<category domain="http://resources.bnet.com/topic/goldman+sachs+group+inc..html"><![CDATA[Goldman Sachs Group Inc.]]></category>
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		<title><![CDATA[Salmonella In Pistachios?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/video/salmonella-in-pistachios/283665/]]></link>
		<description><![CDATA[A major producer of pistachios is recalling over 2 million pounds of nuts that may be contaminated with salmonella. John Blackstone has the latest.]]></description>
		<s:doctype><![CDATA[Videos]]></s:doctype>
		<pubDate>Tue, 31 Mar 2009 16:46:27 -0700</pubDate>
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		<title><![CDATA[Are You Saving Too Much?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/feature/are-you-saving-too-much/280981/]]></link>
		<description><![CDATA[The economic crisis has driven families to rediscover a long-forgotten American virtue: thrift. Ironically, that's exactly what the economy doesn't need right now.The message from the Administration and the U.S. Treasury couldn't be clearer: Please start spending again, America. Your economy needs you.   But we haven't been listening....]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Tue, 24 Mar 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/economy.html"><![CDATA[Economy]]></category>
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		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/paradox+of+thrift.html"><![CDATA[Paradox of Thrift]]></category>
		<category domain="http://resources.bnet.com/topic/recession.html"><![CDATA[Recession]]></category>
		<category domain="http://resources.bnet.com/topic/recovery.html"><![CDATA[Recovery]]></category>
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	</item>
	<item>
		<title><![CDATA[The Fruits of Frugality]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/article/the-fruits-of-frugality/279223/]]></link>
		<description><![CDATA[Despite our recent history, Americans haven't always been spendthrifts:  from 1950 to 1992, the saving rate averaged 8.6 percent. What a return to a savings rate that high might look like in terms of social habits, the country's mood, and our position in the world…In the wake of the...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Tue, 17 Mar 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/u.s..html"><![CDATA[U.S.]]></category>
		<category domain="http://resources.bnet.com/topic/savings.html"><![CDATA[Savings]]></category>
		<category domain="http://resources.bnet.com/topic/boom-and-bust.html"><![CDATA[Boom-and-Bust]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
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		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
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		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/cait+murphy.html"><![CDATA[Cait Murphy]]></category>
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	</item>
	<item>
		<title><![CDATA[What Higher Savings Means for the Economy]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/video/what-higher-savings-means-for-the-economy/273813/]]></link>
		<description><![CDATA[Americans find themselves in a situation economists describe as 'The Paradox of Thrift:' Saving is good for the household, but bad for the overall economy.]]></description>
		<s:doctype><![CDATA[Videos]]></s:doctype>
		<pubDate>Tue, 10 Mar 2009 13:50:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/economy.html"><![CDATA[Economy]]></category>
		<category domain="http://resources.bnet.com/topic/moneywatch.html"><![CDATA[MoneyWatch]]></category>
		<category domain="http://resources.bnet.com/topic/saving.html"><![CDATA[Saving]]></category>
		<category domain="http://resources.bnet.com/topic/savings+rate.html"><![CDATA[Savings Rate]]></category>
		<category domain="http://resources.bnet.com/topic/household+debt.html"><![CDATA[Household Debt]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/paradox+of+thrift.html"><![CDATA[Paradox of Thrift]]></category>
		<category domain="http://resources.bnet.com/topic/recession.html"><![CDATA[Recession]]></category>
		<category domain="http://resources.bnet.com/topic/recovery.html"><![CDATA[Recovery]]></category>
	</item>
	<item>
		<title><![CDATA[Is Saving More a Good Thing?]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/article/is-saving-more-a-good-thing/277116/]]></link>
		<description><![CDATA[Americans have cut down dramatically on spending and ratcheted up their savings rates. And while that's good for the economy long term, helping to finance valuable investment, in the short term, it's only making our economic woes worse…A recent store visit underscores just how dramatically spending habits have changed in...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Mon, 09 Mar 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/u.s..html"><![CDATA[U.S.]]></category>
		<category domain="http://resources.bnet.com/topic/savings.html"><![CDATA[Savings]]></category>
		<category domain="http://resources.bnet.com/topic/economist.html"><![CDATA[Economist]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/thrift.html"><![CDATA[Thrift]]></category>
		<category domain="http://resources.bnet.com/topic/consumer+spending.html"><![CDATA[Consumer Spending]]></category>
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		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/paradox+of+thrift.html"><![CDATA[Paradox of Thrift]]></category>
		<category domain="http://resources.bnet.com/topic/recession.html"><![CDATA[Recession]]></category>
		<category domain="http://resources.bnet.com/topic/cait+murphy.html"><![CDATA[Cait Murphy]]></category>
	</item>
	<item>
		<title><![CDATA[Living Simply to Simply Live]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/economic-news/article/living-simply-to-simply-live/277125/]]></link>
		<description><![CDATA[A psychologist and author argues that the recession and the simplified lifestyle that comes with it could actually reduce your stress levels and make you happier. Barry Schwartz's ideas about the U.S. culture of consumption are about to be put to the test…If Barry Schwartz is right, then the recession...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Mon, 09 Mar 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/recession.html"><![CDATA[Recession]]></category>
		<category domain="http://resources.bnet.com/topic/ideology.html"><![CDATA[Ideology]]></category>
		<category domain="http://resources.bnet.com/topic/moneywatch.html"><![CDATA[MoneyWatch]]></category>
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		<category domain="http://resources.bnet.com/topic/moneywatch+q%2526a.html"><![CDATA[MoneyWatch Q&A]]></category>
		<category domain="http://resources.bnet.com/topic/barry+schwartz.html"><![CDATA[Barry Schwartz]]></category>
		<category domain="http://resources.bnet.com/topic/material+affluence.html"><![CDATA[Material Affluence]]></category>
		<category domain="http://resources.bnet.com/topic/sales+force+management.html"><![CDATA[Sales Force Management]]></category>
		<category domain="http://resources.bnet.com/topic/sales.html"><![CDATA[Sales]]></category>
		<category domain="http://resources.bnet.com/topic/paradox+of+choice.html"><![CDATA[Paradox of Choice]]></category>
		<category domain="http://resources.bnet.com/topic/affluence.html"><![CDATA[Affluence]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/jeff+garigliano.html"><![CDATA[Jeff Garigliano]]></category>
	</item>
	<item>
		<title><![CDATA[Marketing to "Simplifiers"]]></title>
		<link><![CDATA[http://blogs.bnet.com/bnet1/?p=658]]></link>
		<description><![CDATA[  	The Find: Marketing expert John Quelch warns that economic turmoil is likely to produce a new type of consumer to contend with: the middle-aged Simplifier.  	The Source: A post on the Harvard Business Conversation Starter.    The Takeaway: Quelch, a taxonomist of shoppers and a...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Mon, 20 Oct 2008 06:12:16 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/consumer.html"><![CDATA[Consumer]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/john+quelch.html"><![CDATA[John Quelch]]></category>
		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
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		<category domain="http://resources.bnet.com/topic/jessica+stillman.html"><![CDATA[Jessica Stillman]]></category>
		<category domain="http://resources.bnet.com/topic/consumer.html"><![CDATA[Consumer]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/jessica+stillman.html"><![CDATA[Jessica Stillman]]></category>
	</item>
	<item>
		<title><![CDATA[Smart Metering: Critical Enabler For The High-Performance Utility Of The Future]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=941809]]></link>
		<description><![CDATA[As the energy industry faces up to ever-deeper cuts in carbon emissions over the coming decades, the installation of smart meters in customers' home will become increasingly important to help drive change in consumers' behaviour and reduce energy consumption. At the same time, the parallel need to improve security of...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 30 Jul 2008 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/accenture+ltd..html"><![CDATA[Accenture Ltd.]]></category>
		<category domain="http://resources.bnet.com/topic/high-performance.html"><![CDATA[High-performance]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/telecom+%2526+utilities.html"><![CDATA[Telecom & Utilities]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">ACN</category>
		<category domain="tickers">ACN</category>
	</item>
	<item>
		<title><![CDATA[Stopwatch Marketing: Worth Some Time]]></title>
		<link><![CDATA[http://blogs.bnet.com/business-books/?p=146]]></link>
		<description><![CDATA[Iâ€™ve started Stopwatch Marketing, a look at how to get the attention of consumers when theyâ€™re actually in the market to buy something. The book is timely, because the combination of tight credit and recession or fear of such should dampen buying here, so catching consumers in those reduced windows...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Fri, 15 Feb 2008 20:54:38 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/michael+fitzgerald.html"><![CDATA[Michael Fitzgerald]]></category>
		<category domain="http://resources.bnet.com/topic/marketing.html"><![CDATA[Marketing]]></category>
		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/consumer.html"><![CDATA[Consumer]]></category>
	</item>
	<item>
		<title><![CDATA[Sustainable Consumption And Production: Energy And Industry]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=315662]]></link>
		<description><![CDATA[Increases in energy and resource efficiency, together with cleaner technologies and improved products, have resulted in reduced energy and resource consumption and pollution per unit of production and consumption. However, the increased efficiency has generally been offset by even greater increases in overall production and consumption, resulting in continuing increases...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 01 May 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/sustainable+development.html"><![CDATA[Sustainable Development]]></category>
	</item>
	<item>
		<title><![CDATA[Pricing 'Cyclical' Goods]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=242825]]></link>
		<description><![CDATA[Consumption of certain commodities causes transitory satiation. The day after visiting an amusement park, the utility derived from another visit is likely to be very low, but tends to increase over time. Most people also experience a similar change in preferences after dining at an ethnic restaurant, getting a haircut,...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 26 Jul 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/barcelona.html"><![CDATA[Barcelona]]></category>
		<category domain="http://resources.bnet.com/topic/pricing+strategy.html"><![CDATA[Pricing Strategy]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/pricing.html"><![CDATA[Pricing]]></category>
		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
		<category domain="http://resources.bnet.com/topic/marketing.html"><![CDATA[Marketing]]></category>
	</item>
	<item>
		<title><![CDATA[Slower Consumption: Reflections on Product Life Spans and the "Throwaway Society"]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=162081]]></link>
		<description><![CDATA[Sustainable consumption is unlikely to be achieved as long as the quantity of household waste generated in industrial nations continues to rise. One factor underlying this trend is the life span of household goods. This article contributes to recent advances in life-cycle thinking by highlighting the significance of product life...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 07 Jul 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
	</item>
	<item>
		<title><![CDATA[Coordinated Policy Measures for Reducing the Fuel Consumption of the U.S. Light-Duty Vehicle Fleet]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=108446]]></link>
		<description><![CDATA[This research finds that there exists no silver bullet for reducing the fuel consumption of motor vehicles in the U.S. However, there are several different policy measures available to affect the production and purchase of more fuel efficient vehicles as well as reduce the amount of driving. Qualitative and quantitative...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 01 Jun 2004 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/vehicle.html"><![CDATA[Vehicle]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
	</item>
	<item>
		<title><![CDATA[Cheese Trends Spring 2004: Cheese - A Natural]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=110155]]></link>
		<description><![CDATA[According to the most recent data from USDA Economic Research Service, per capita consumption of natural cheese increased almost 2% from 2001 to 2002. More impressively, during the last quarter of the 20th century, when fluid milk consumption was rapidly declining, cheese consumption continued to grow. This article summarizes that...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 23 Mar 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/cheese.html"><![CDATA[Cheese]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/bnp+media.html"><![CDATA[BNP Media]]></category>
	</item>
	<item>
		<title><![CDATA[Precautionary Saving and Consumption Fluctuations]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=105524]]></link>
		<description><![CDATA[This paper uses the consumption Euler equation to derive a decomposition of consumption growth into four sources. These are new information and three sources of predictable consumption growth: inter-temporal substitution, changes in the preferences for consumption, and incomplete markets for consumption insurance. The economic importance of precautionary saving rivals that...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 01 Mar 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
	</item>
	<item>
		<title><![CDATA[Optimal Taxation When Consumers Have Endogenous Benchmark Levels of Consumption]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=136627]]></link>
		<description><![CDATA[The paper examines optimal taxes in an overlapping generations economy in which each consumer's utility depends on consumption relative to a weighted average of consumption by others the benchmark level of consumption as well as on the level of the consumer's own consumption. The socially optimal balanced growth path is...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sat, 01 Nov 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/social+security.html"><![CDATA[Social Security]]></category>
		<category domain="http://resources.bnet.com/topic/taxes.html"><![CDATA[Taxes]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/free+trade.html"><![CDATA[Free Trade]]></category>
		<category domain="http://resources.bnet.com/topic/government.html"><![CDATA[Government]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Housing, Consumption, and Asset Pricing]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=127178]]></link>
		<description><![CDATA[This paper builds an equilibrium asset pricing model with housing consumption. Agents care about the composition of a consumption basket that contains shelter and other goods. The presence of composition risk increases the mean and variance of excess stock returns and lowers the risk free rate. Stock prices exhibit mean...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 May 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/asset.html"><![CDATA[Asset]]></category>
		<category domain="http://resources.bnet.com/topic/asset+pricing.html"><![CDATA[Asset Pricing]]></category>
		<category domain="http://resources.bnet.com/topic/stanford+university.html"><![CDATA[Stanford University]]></category>
		<category domain="http://resources.bnet.com/topic/consumption.html"><![CDATA[Consumption]]></category>
		<category domain="http://resources.bnet.com/topic/asset+management.html"><![CDATA[Asset Management]]></category>
		<category domain="http://resources.bnet.com/topic/investment.html"><![CDATA[Investment]]></category>
		<category domain="http://resources.bnet.com/topic/operational+planning.html"><![CDATA[Operational Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
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