The term set refers to all records that have the same ________

The annual budget process often begins _____________ or more before the budget is due to the board of directors.

Fill in the blank(s) with the appropriate word(s).

Jane's aunt wants a cashmere blanket to put over her legs when she watches television from her favorite chair. Jane could drive fifty miles and pay $90 for the blanket, or she could order one off the Internet for $168

Because Jane works fifty hours a week, cares for three children, and tries to help her aunt, she opts to buy the blanket on the Internet. This is an example of how ________ influences the consumer decision-making process. A) a microculture B) an opinion leader C) a reference group D) time E) learning