Across 2. Used by consumers for personal needs. 6. A measure of performance. 12. Is a social and economic order and ideology that encourages the acquisition of goods and services in ever-greater amounts. 13. Is a form of marketing communication used to persuade an audience. 15. An agreement in which the seller reserves an item for a consumer until the consumer completes all the payments necessary to pay for that item. 16. Purchases made by a consumer that do not require a payment made in full at the time of purchase. 17. Symbols used on merchandize 19. Is basically the amount of credit used by consumers to purchase non-investment goods or services that are consumed and whose value depreciates quickly. 21. This is needed for payment in foreign currency. 24. Influence that encourages others to change their attitudes, values, or behaviours to conform to group norms. 26. A promise or assurance, especially one in writing, that something is of specified qualiy, content, benefit, etc., or that it will performsatisfactorily for a given leng th of time. 27. A borrower's pledge of specific property to a lender, to secure repayment of a loan. 28. Legal term for a contract, in which a purchaser agrees to pay for goods in parts or a percentage over a number of months. Down 1. Transaction between a manufacturer and a wholesaler, or between a wholesaler and a retailer that involves the exchange of goods and services for money. 3. An intangible commodity 4. A person or organization, that uses economic services or commodities 5. A plastic card that provides access to electronic funds. 7. This is used to borrow money. 8. The practice of comparing prices in advance in order to achieve the best deals and pricing on merchandise and servicS 9. The trust which allows one party to provide resources in exchange for o promise to pay later. 11. Descriptive messages attached to merchandize. 14. Items purchase for use. 18. The act of gathering information about product and services before shopping 19. False claim that is made a consumer with the knowledge that the claim is actually false. 20. An unplanned decision to buy. 21. The amount of money available for spending 22. Remedy or compensation for a wrong. 23. A document that orders a bank to pay a specific amount of money from a person's account to another person.