background for the purpose of understanding the food and drug administration’s (fda’s) concerns regarding online promotion of prescription drugs advertised directly to consumers, this study examines notices of violations (novs) and warning letters issued by the fda to pharmaceutical manufacturers.   methods the fda’s warning letters and novs, which were issued to pharmaceutical companies over a...

Consumer finance has become one of the most important areas of banking both because of the amount of money being lent and the impact of such credit on the global economy and the realisation that the credit crunch of 2008 was partly due to incorrect modelling of the risks in such lending. This paper reviews the development of credit scoring,-the way of assessing risk in consumer finance-and what...

An in vitro microbial challenge test has been developed to predict the likelihood of consumer contamination of cosmetic products. The challenge test involved inoculating product at four concentrations (30, 50, 70, and 100%) with microorganisms known to contaminate cosmetics. Elimination of these microorganisms at each concentration was followed over a 28-day period. The test was used to classif...

The current literature suggests that the concept of consumer innovativeness is universally applicable. Innovators are believed to be novelty seekers and risk takers independent of their national identity, and therefore to be attracted to similar characteristics of an innovation across most countries. However, research in intercultural marketing has shown that cultural norms and values have vary...

The current literature suggests that the concept of consumer innovativeness is considered to be universally applicable. Innovators are believed to be novelty seekers and risk takers independently of their national identity, and therefore would be attracted to similar characteristics of an innovation across most countries. Though, research in intercultural marketing has long shown that cultural ...