The scientist who wants to predict the way which consumers will spend their money must study consumer behavior. He must 【B1】_______ data both on the resources of consumers and on the motive that 【B2】_______ to encourage or discourage money spending. If an economist were asked which of three groups borrow most—people with rising incomes,【B3】______incomes, or decreasing incomes—he would probably answer, those with 【B4】_______ incomes. 【B5】_______, the answer was: people with rising incomes. People with decreasing incomes were 【B6】_______ and people with stable incomes borrowed least. This shows us that traditional 【B7】_______ about the relation between earning and spending are not always【B8】______. Another traditional assumption is that if people who have money expect prices to go up, they will【B9】______to buy.【B10】______, research surveys have shown that this is not always true. The expectations of price increases may not【B11】______buying. One typical attitude was expressed【B12】______the wife of mechanic in an interview at a time of rising price. "In a few months," she said, "we’ll have【B13】______to spend on other things." Her family had been planning to buy a new car but they postponed this【B14】______. Furthermore, the rise in prices that has already taken place may be disliked and buyer’ s【B15】______may be produced. This is shown by the following【B16】______comment: "I just don’t pay these prices; they are too high." The investigations mentioned above were【B17】______in America. If prices have been stable and people consider that they are【B18】______, they are likely to buy. Thus, it appears that the common business policy of【B19】______stable prices is based on a correct understanding of consumer【B20】______.【B1】