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" The new consumer, meanwhile, thinks about all of his or her expenditures -- cars, cigarettes, concert tickets, etc. -- at once. We're all walking balance sheets now."
Ummm - hello? There's a huge number of us who have been doing this for decades - haven't you been paying attention?
"Consumers have moved from making choices that were relatively passive, carefree, and simple, to ones that are more active, deliberate, and complex," says Graceann Bennett, a managing partner at Ogilvy & Mather.
Don't you think it's about time?