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Visa Sponsorship Marketing Group

rP os t CASE: SPM-5 DATE: 7/22/03 VISA SPONSORSHIP MARKETING operation yo Visa was the world’s driving installment brand and its visi...

Tuesday, August 25, 2020

Visa Sponsorship Marketing Group

rP os t CASE: SPM-5 DATE: 7/22/03 VISA SPONSORSHIP MARKETING operation yo Visa was the world’s driving installment brand and its vision was to be â€Å"The World’s Best Way to Pay. † In 2002, Visa-marked cards (credit; charge and paid ahead of time; corporate; buying and business products)1 created more than $2. 4 trillion in yearly volume; totaled more than one billion cards around the world, and were acknowledged in more than 150 nations and domains. Visa was among the most all inclusive perceived brands and it held 7. 1 percent portion of worldwide individual utilization uses (PCE). Its U. S. slogan, â€Å"It’s wherever you need to be,† had become some portion of the American vocabulary. Index An and Exhibit 1 give synopsis data on Visa. tC Visa ascribed a significant piece of its prosperity to prominent sponsorships, for example, its Olympic Games sponsorship. Visa additionally supported various occasions, for example, the Rugby World Cup, Best of Broadway, the Toronto Film Festival, NASCAR, the NFL, the Visa Triple Crown, and the Paralympics, and has a global union with The Walt Disney Company.In the fall of 2002, Visa reported its choice to expand its Olympic Games sponsorship through 2012. Its unique sponsorship bargain was organized through the 2004 games in Athens, however the sponsorship was broadened on the grounds that the organization had gotten progressively effective after some time. The arrangement would expand a connection among Visa and the Olympic Games that began in 1986. The organization spent an extra a few times that of the sponsorship charge it pays for publicizing, advancements, and different endeavors to augment the estimation of the ponsorship †not an atypical sum for such sponsorships. 1 No Visa International was included six territorial working associations: Asia-Pacific; Canada; Central and Eastern Europe, Middle East and Africa (CEMEA); European Union; Latin America and Caribbean; the United States. Regardless of its worldwide reach, Visa stayed especially a neighborhood association. Its local workplaces had a serious extent of working and showcasing self-rule. Visa felt that since its territorial associations were nearest to their nearby markets, they realized best how to help part establishments serve their customers.Do Debit items permitted buyers to get to their checking or bank store accounts legitimately. Charge items gave customers the decision to â€Å"pay now,† though credit items permitted purchasers to â€Å"pay later,† and prepaid items to â€Å"pay previously. † 2 Personal purchaser use spoke to the market estimation everything being equal and administrations bought by family units and not-for-profit foundations, barring the acquisition of homes. In 2003, worldwide PCE was at $19 trillion and was contained essentially of money and check payments.Visa had a normal yearly increment in a lot of worldwide PCE of 12 percent over the earlier five years. Victoria Chang arranged this case under the oversight of Professor George Foster as the reason for class conversation instead of to outline either viable or insufficient treatment of an authoritative circumstance. Copyright  © 2003 by the Board of Trustees of the Leland Stanford Junior University. All rights saved. To arrange duplicates or solicitation authorization to recreate materials, email the Case Writing Office at: [emailâ protected] stanford. du or compose: Case Writing Office, Stanford Graduate School of Business, 518 Memorial Way, Stanford University, Stanford, CA 94305-5015. No piece of this distribution might be duplicated, put away in a recovery framework, utilized in a spreadsheet, or transmitted in any structure or using any and all means â€â€ electronic, mechanical, copying, recording, or in any case â€â€ without the consent of the Stanford Graduate School of Business. This report is approved for utilize just by Hadi Nejatian until May 201 3. Duplicating or posting is an encroachment of copyright. [emailâ protected] harvard. du or 617. 783. 7860. Visa Sponsorship Marketing SPM-5 rP os t p. 2 Thomas Shepard, Visa’s official VP of global advertising, organizations, and sponsorship, assumed a key job in persuading Visa’s six local sheets and its universal board to permit Visa to broaden its Olympics and Paralympic sponsorship. The sponsorship gave and would keep on giving Visa and its part money related foundations (I. e. , banks and credit associations) select showcasing rights, including publicizing and special utilization of the Olympic rings and other graphics.Visa additionally would be qualified for selectiveness with exchanges under Olympic control, including on the web exchanges, ticket deals, and Olympic-themed occasions. SPONSORSHIP MARKETING operation yo In the mid year of 2003, Shepard and his group assembled at Visa’s International base camp situated in Foster City, California, to think about the effect and exercises of its past sponsorship exercises. In particular, they intended to talk about the current corporate methodology and through this procedure refine the current sponsorship technique. The current corporate procedure underscored more noteworthy association in the field of entertainment.An outgrowth was choosing and working with new accomplices, for example, The Walt Disney Company (2002). General Sponsorship Marketing No tC Sports advertising was a significant showcasing stage for some organizations †see Exhibit 2 (Panel A). Sports sponsorship was regularly a key segment of sports showcasing. There were numerous approaches to possess/support properties †by an occasion title or introducing title; a naming rights backer of donning settings; a supporting level accomplice; a provider or potentially licensee; or a media support; competitor endorser. In a few occurrences, organizations who didn't authoritatively support occasions took an interest in sn are promoting methods. Organizations regularly supported general properties and games to: 1) reinforce client connections, 2) procure new clients, and 3) give impetuses to their retail dispersion channels. 4 In 2002, worldwide sponsorship spending came to $24. 4 billion. In the U. S. alone, organizations burned through $9. 4 billion on sponsorships in 2001. 5 According to Shepard, sponsorship promoting had expanded in ubiquity because of globalization; new passages, including new media that permitted organizations to arrive at shoppers in exceptionally portioned manners; and intermingling of the games and diversion industries.Do Most significant purchaser brands utilized sponsorship showcasing to improve their advertising endeavors. For instance, as indicated by sponsorship consultancy IEG, in 2002, Anheuser Busch spent somewhere in the range of $215 and $220 million on sponsorship showcasing, PepsiCo. somewhere in the range of $190 and $195 million, and Nike somewhere in the range of $105 and $110 million. As indicated by IEG, Visa, MasterCard, and American Express together burned through $150 to $165 million on a wide range of sponsorship in the U. S. in 2001. Visa and MasterCard each burned through $65 to $70 million, making them individually the eleventh and twelfth biggest spenders on sponsorship.American Express burned through $20 to $25 million and was positioned 49th. These figures just incorporated the rights to buy properties. Big-time backers, for example, these organizations ordinarily burned through a few fold the amount of advancing their official 3 Ambush showcasing was when organizations who didn't formally support properties drove purchasers to construe that they were a piece of the official occasion through promoting, ads, or other advertising strategies. 4 â€Å"Winning the Sports Sponsorship Game,† Bank Marketing International, June 24, 2002, p. 8. 5Michael McCarthy, â€Å"Sports Sponsorship Game Heating Up,† USA Today, June 1 2, 2002, p. 3B. This archive is approved for utilize just by Hadi Nejatian until May 2013. Duplicating or posting is an encroachment of copyright. [emailâ protected] harvard. edu or 617. 783. 7860. Visa Sponsorship Marketing SPM-5 rP os t p. 3 sponsorship status as they paid to get that official status. â€Å"The cost of section is the thing that you pay for the property,† said Shepard. â€Å"Where you truly begin to spend, and receive the most rewards, is in the showcasing instruments that your voting demographics need †the publicizing programs, limited time layouts, nd on location endeavors. † William Chipps, senior proofreader of IEG Sponsorship Report, a Chicago-based sponsorship bulletin, concurred by expressing that so as to be advantageous, Visa’s all out Olympic consumption should have been in any event three to four dollars on promoting for each dollar paid for the sponsorship †and that did exclude its media purchase. â€Å"A organization ca n support an occasion, yet the sponsorship won't do much for them except if they go through some additional cash to actuate it through buyer sweepstakes or customer hospitality6,† said Chipps. Sports Sponsorship Marketing p yo Sports showcasing was an especially high-stakes game. In 2002, in the U. S. alone, organizations yearly burned through $9. 4 billion on sports sponsorships. 7 In 2001, organizations burned through $6. 5 billion on sports sponsorships in the U. S. , up from $2. 1 billion out of 1992. 8 In the U. S. sponsorship showcase, sports held the biggest piece of the overall industry, or 69 percent of the complete sponsorship advertise in 2001, up 10 percent from $5. 9 of every 2000. 9 IEG expected games sponsorships to increment in future years and to outpace the pace of development all in all sponsorship spending. tCAccording to certain examiners, sports showcasing was more convoluted than just putting a logo on a shirt: â€Å"Part of the issue is that a few cust omers and organizations feel that the game they line up with will do the promoting work without anyone else. In actuality, to be viable at sports promoting requires a similar tender loving care as some other control. †10 Andrew Hampel, overseeing chief, Europe, of the games advertising gathering, IMG, remarked: â€Å"Sports sponsorship may give you the option to converse with clients, however on the off chance that you need to say anything advantageous regarding your image, you need to draw in them at various levels.The beginning stage is consistently

Saturday, August 22, 2020

Phobias Definition Essay Example for Free

Fears Definition Essay At the point when individuals see the words one and heading together, they either have a smaller than usual respiratory failure because of outrageous energy or they basically ignore the subject. I am the smaller than normal respiratory failure type; thusly, I have done my examination on the scandalous band. While doing this, I found a fascinating fun actuality. Liam Payne, the One Direction go between, is frozen of spoons, yes the eating utensils. He professes to not have an explanation with respect to why, yet as indicated by brain science and rationale, there must be an a birthplace, an affiliation made to spoons. So whether you are the smaller than usual coronary episode type or the disregarder, strike up your psychoanalytical personalities with the clarifications I have hypothesized. Here is the thing that I have thought of: * When Liam Payne was a kid, he had a heartbreaking occasion including a spoon. At the point when I was a child, I was washing the dishes and there was a monstrous blade in the sink. I couldn’t see the dishes on the grounds that the water was bubbly, so I had no observation with regards to where the blade was. At the point when I put my hands in to snatch a dish, I coincidentally sliced my hand open with the tremendous blade. Since the time at that point, at whatever point I see a blade or my mother needs me to cut something with one, I subliminally partner whatever blade she is showing for me to slice to that occurrence such a long time ago; in this manner, I don't utilize them, by any means. (It’s a great method to escape washing dishes, incidentally.) Anyways, I accept that Liam had one of these alarming circumstances with a spoon and now has a fear. * Genetics. Indeed, there are hereditary components related with fears. A decent measure of individuals with fears have family members with comparative fears or side effects, for example, fears and an inclination to maintain a strategic distance from specific conditions. My sister-in-law, Edith, fears cockroaches, much the same as her mom and now, her more youthful sister. Maybe, one of Liam Payne’s family members has a comparative fear. * Everybody utilizes spoons in Britain. Setting out to appear as something else? Liam Payne isn’t unfathomably unique in relation to others however perhaps, in this circumstance, he needed to run contrary to the flow. Liam is British. A cliché suspicion about British individuals is that they drink a great deal of tea; subsequently, they use spoons a ton. It is likewise cliché to state that they will in general eat scones; scones are additionally eaten with a spoon. A few people simply prefer to oppose their way of life! In spite of the fact that the word fear actually implies â€Å"irrational fear†, I trust one of these speculations is right. I don’t have the materials to demonstrate this however one day, reality will liberate me and I will know the normal explanation of Liam Payne’s senseless dread of spoons. Louis Tomlinson, the most established individual from One Direction obviously loves women that eat carrots. Possibly it’s only an odd, nonsensical band.

Monday, August 10, 2020

Identify and Calculate the Mean, Median, and Mode

Identify and Calculate the Mean, Median, and Mode Student Resources Study Guides and Tips Print How to Identify and Calculate the Mean, Median, and Mode Exploring some measures of central tendency By Kendra Cherry facebook twitter Kendra Cherry, MS, is an author, educational consultant, and speaker focused on helping students learn about psychology. Learn about our editorial policy Kendra Cherry Updated on September 17, 2019 Sam Edwards / Getty Images More in Student Resources Study Guides and Tips APA Style and Writing Careers In This Article Table of Contents Expand Overview Calculating Mean Calculating Median Calculating Mode View All Back To Top Students often find that it is easy to confuse the mean, median, and mode. While all are measures of central tendency, there are important differences in what each one means and how they are calculated. Explore some useful tips to help you distinguish between the mean, median, and mode and learn how to calculate each measure correctly. What Do We Mean By Mean, Median, and Mode? In order to understand the differences between the mean, median, and mode, start by defining the terms. The mean is the arithmetic average of a set of given numbers.The median is the middle score in a set of given numbers.The mode is the most frequently occurring score in a set of given numbers. How to Calculate the Mean The mean, or average, is calculated by adding up the scores and dividing the total by the number of scores. Consider the following number set: 3, 4, 6, 6, 8, 9, 11. The mean is calculated in the following manner: 3 4 6 6 8 9 11 4747 / 7 6.7The mean (average) of the number set is 6.7. How to Calculate the Median The median is the middle score of a distribution. To calculate the median Arrange your numbers in numerical order.Count how many numbers you have.If you have an odd number, divide by 2 and round up to get the position of the median number.If you have an even number, divide by 2. Go to the number in that position and average it with the number in the next higher position to get the median. Consider this set of numbers: 5, 7, 9, 9, 11. Since you have an odd number of scores, the median would be 9. You have five numbers, so you divide 5 by 2 to get 2.5, and round up to 3. The number in the third position is the median. What happens when you have an even number of scores so there is no single middle score? Consider this set of numbers: 1, 2, 2, 4, 5, 7. Since there is an even number of scores, you need to take the average of the middle two scores, calculating their mean. Remember, the mean is calculated by adding the scores together and then dividing by the number of scores you added. In this case, the mean would be 2 4 (add the two middle numbers), which equals 6. Then, you take 6 and divide it by 2 (the total number of scores you added together), which equals 3. So, for this example, the median is 3. Calculating the Mode Since the mode is the most frequently occurring score in a distribution, simply select the most common score as your mode. Consider the following number distribution of 2, 3, 6, 3, 7, 5, 1, 2, 3, 9. The mode of these numbers would be 3 since three is the most frequently occurring number. In cases where you have a very large number of scores, creating a frequency distribution can be helpful in determining the mode. Using a Frequency Distribution In some number sets, there may actually be two modes. This is known as bi-modal distribution and it occurs when there are two numbers that are tied in frequency. For example, consider the following set of numbers: 13, 17, 20, 20, 21, 23, 23, 26, 29, 30. In this set, both 20 and 23 occur twice. If no number in a set occurs more than once, then there is no mode for that set of data. Applications of the Mean, Median or Mode How do you determine whether to use the mean, median or mode? Each measure of central tendency has its own strengths and weaknesses, so the one you choose to use may depend largely on the unique situation and how you are trying to express your data. The mean utilizes all numbers in a set to express the measure of central tendency; however, outliers can distort the overall measure. For example, a couple of extremely high scores can skew the mean so that the average score appears much higher than most of the scores actually are.The median gets rid of disproportionately high or low scores, but it may not adequately represent the full set of numbers.The mode may be less influenced by outliers and is good at representing what is typical for a given group of numbers, but may be less useful in cases where no number occurs more than once. Imagine a situation where a real estate agent wants a measure of the central tendency of homes she has sold in the last year. She makes a list of all of the totals: $75,000$75,000$150,000$155,000$165,000$203,000$750,000$755,000 The mean for this group is $291,000, the median is $160,000 and the mode is $75,000. Which would you say is the best measure of central tendency of the set of sales numbers? If she wants the highest number, the mean is clearly the best option even though the total is skewed by the two very high numbers. The mode, however, would not be a good choice because it is disproportionately low and not a good representation of her sales for the year. The median, on the other hand, seems to be a fairly good indicator of the typical sales prices of her real estate listings.

Saturday, May 23, 2020

Performance Based Pay for Teachers

Performance-based pay for teachers, or merit pay, is a trending educational topic. Teachers pay, in general, is often highly debated. Performance-based pay ties teaching components such as standardized test scores and teacher evaluations to a salary schedule. Performance-based pay originated from a corporate model that bases a teachers salary on job performance. Higher performing teachers receive more compensation, while lower performing teachers receive less. The Denver, Colorado school district may have the most successful performance-based pay program in the nation. The program, called ProComp, is seen as a national model for performance-based pay. ProComp was designed to impact critical issues such as student achievement, teacher retention, and teacher recruitment positively. The program has been credited with boosting those areas, but it does have its critics. Performance-based pay will likely continue to increase in popularity over the next decade. Like any educational reform issue, there are two sides to the argument. Here, we examine the pros and cons of performance-based pay for teachers. Pros Motivates Teachers to Make Improvements in the Classroom Performance-based pay systems offer teachers a reward based on meeting set performance measures typically tied to student performance. These measures are based on educational research and are a set of best practices intended to boost overall student outcomes. Many of the best teachers are already doing a lot of these things in their classrooms. With performance-based pay, they may be asked to take it a little above what they normally do, or it may motivate low performing teachers to get their acts together to receive their bonus. Provides Teachers With the Opportunity to Receive a Higher Salary People typically do not become teachers because of the salary. But, it doesnt mean that they do not want or need more money. Sadly, a relatively large number of teachers across the country are picking up a second job to keep their family afloat financially. Performance-based pay not only provides teachers with an option to make more money but also motivates them to meet targeted objectives while doing so. It is a win, win situation both for the teacher and their students. The teacher makes more money, and in turn, their students get a better education. Invites Competition Thus Raising Student Performance Performance-based pay creates competition among teachers. The better their students perform, the more money theyll receive. Higher outcomes translate to higher pay. Teachers are often competitive by nature. They want their fellow teachers to be successful. But, they also want to be more successful then them. Healthy competition pushes teachers to become better, which in turn boost student learning. Everyone wins when the best teachers work hard to stay at the top, and mediocre teachers work hard to improve enough to be considered one the best. Allows Bad Teachers to Be Removed Easier Many performance-based pay systems include components which enable principals to terminate teachers who continuously fail to meet goals and objectives. Most teacher unions adamantly opposed performance-based pay because of this element. Standard teacher contracts make it difficult to terminate employment, but a performance-based pay contract makes it easier to remove a bad teacher. Teachers who are unable to get the job done are replaced by another teacher who may be able to get things on track. Aids in Teacher Recruitment and Retention Performance-based pay can be an attractive incentive especially for young teachers who have a lot to offer. The opportunity for higher pay is often too compelling to pass up. To passionate teachers, the extra work is worth the higher salary. Also, schools offering performance-based compensation typically have no problems attracting top teaching talent. The pool is usually bottomless, so they can get quality teachers from the beginning. They also keep their good teachers. The best teachers are easy to retain because they are well respected and likely will not receive a higher salary elsewhere. Cons Encourages Teachers to Teach to Standardized Tests A large part of the performance-based pay objectives rests in standardized test scores. Teachers across the nation are already feeling the pressure to abandon creativity and originality and instead to teach to the tests. Attaching an increase in pay only amplifies that situation. Standardized testing is all the rage in public education, and performance-based pay just adds fuel to the fire. Teachers skip once celebrated teachable moments. They neglect valuable life lessons and have essentially become robots all in the name of passing a single test on a single day during the school year. Can Potentially Be Costly to the District School districts across the United States are already strapped for cash. Teachers on a performance-based contract receive a base salary. They receive a â€Å"bonus† for meeting specific objectives and goals. This â€Å"bonus† money can add up quickly. The Denver Public School District in Colorado was able to start ProComp thanks to voters who approved a tax increase that allowed them to fund the incentive program. It would have been impossible to fund the program without the revenue generated from the tax increase. School districts would find it exceedingly difficult to maintain the funds necessary to run a performance-based pay program without additional funding. Dilutes a Teacher’s Overall Value Most teachers offer much more than just the ability to meet learning objectives or goals. Teaching should be about more than just a test score. Ideally, teachers should be rewarded for the size of the impact they make and for making a difference in the lives of their students. Sometimes those qualities go unrecognized and unrewarded. Teachers have a powerful influence on their students, yet theyre relegated to ensuring that their students are going to pass a test. It skews the real value of a teacher when you only base the job they are doing on meeting student performance objectives.   Fails to Consider Factors Beyond a Teacher’s Control There are many factors beyond a teacher’s control that influence student performance just as much or more than any teacher will. Factors such as lack of parental involvement, poverty, and learning disabilities offer real hindrances to learning. They are nearly impossible to overcome. The reality is that teachers who sacrifice to pour into the lives of these students are often seen as bad teachers because their students do not meet the level of proficiency that their peers do. The truth is that many of these teachers are doing a far superior job than their peers who teach at an affluent school. Sometimes they fail to receive the same rewards for their hard work. Can Potentially Harm High-Risk Areas Every school is not the same. Every student is not the same. Why would a teacher want to teach in a school surrounded by poverty and have the cards stacked against them, when they can teach in an affluent school and have immediate success? A performance-based pay system would keep many of the best teachers from pursuing jobs in those high-risk areas because of nearly impossible odds to meet the performance measures needed to make it worth the while.

Tuesday, May 12, 2020

Frank Lloyd Wright s Life, Career, Influences And Impact...

Frank Lloyd Wright is Americas’ best known and most influential architect and arguably the greatest architect of the 20th century from anywhere in the world. Wright is known and respected throughout the world for his innovative and modern designs. As an architect Wright developed an organic and what became known as a distinctively American style throughout his work. Many believe that Frank Lloyd Wright changed the way we build and and live in the modern world. This essay will examine and evaluate Wrights life, career, influences and impact on the way we see American architecture. Wright was born on the 8th of June 1867 at the time when America was going through lots of industrial and social change. He was born in Wisconsin to Anne Lloyd Jones and William Carey Wright. His mother was a teacher and his father a gifted musician and Preacher. Wrights mother nurtured his appreciation of art and nature from an early age. She introduced him to Froebel’s wooden blocks and he later stated that this was one of the recurring influences in his career and can be seen in the geometry of many of his buildings. Undoubtedly a most major influence in his work is nature and the natural environment - Wright loved the Wisconsin landscape he explored as a boy. Nature is a recurring feature in his buildings and even where he positions his buildings - he later talked of architecture that â€Å"..is a grace to the landscape instead of a disgrace.† In 1885 his parents divorced, he stayed with hisShow MoreRelatedLouis Sullivan and the Carson, Pirie, Scott and Company Building4679 Words   |  19 PagesNouveau Jewel of Chicago† Written by Joss Ryan P10528830 History and Theory ‘ARCH 2031’ 2012 Louis Sullivan and the Carson, Pirie, Scott and Company Building Page 1 Art Nouveau is a very renowned style of art, applied art, and architecture. It is an influential design movement and an international philosophy. 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Wednesday, May 6, 2020

Food and Society Free Essays

The relationship between food and society require special attention. Food come first, no food no life, this is a fact, and nothing can be possible with out food. Society is a group of people related to each other through perseverance relations such as status, roles and social network. We will write a custom essay sample on Food and Society or any similar topic only for you Order Now In pre-industrial societies, food production is carried out through the use of human and animal labour which is the main economic activities. Industrial revolution in 19th century brought the incredible changes.The most important invention was a railway which has put an unbelievable impact on different societies. The railway makes feasible the movement of people and transports the goods from one city to another even from country to country. This makes possible the food that had previously never been seen or heard of became available to most of the people. Most of the societies rely on the food transport and production, then those societies can be divided according to their level of technology and their method of production. The study of food and society is gradually increasing which is recognised to be one that can make a significant contribution to our understanding of the context with in which the production and consumption of commercial food and beverages takes place. The provision of food and beverages forms a part of the activities of the hospitality industry. However the hospitality industry subject area, there is just a small number of texts that cover the field. As an alternative of texts and resources that can contribute relevant theoretical frameworks to support the study of food and society are to be found in a number of fields of study. How to cite Food and Society, Essays

Saturday, May 2, 2020

Brand Management and the Marketing Mix Model

Question: What exactly is your product and how is it different from (or better than) other similar products? Where will you sell your product? Who are the potential buyers of the product and how does that price compare to similar products being offered? How will you let others know about your product, and how will you develop its presentation to appropriate markets? Answer: I choose to sell organic soap as it is 100% natural and not synthetic. The soap shall be sold in retail stores, cosmetic shops, and pharmacies. The potential buyers of the product are men and women belonging to 20-40 age groups present everywhere (Cain, 2014). I shall follow competitive pricing strategy at $9 as there is direct competition from other brands such as Dove, Lux and various others (Heerde et al., 2013). Hoardings and television advertisements shall help in presenting the product. References Cain, P. (2014). Brand management and the marketing mix model.J Market Anal,2(1), 33-42. https://dx.doi.org/10.1057/jma.2014.4 Heerde, H., Gijsenberg, M., Dekimpe, M., Steenkamp, J. (2013). Price and Advertising Effectiveness over the Business Cycle.Journal Of Marketing Research,50(2), 177-193. https://dx.doi.org/10.1509/jmr.10.0414