There is a third factor, however, that adds to Austin's special sauce: the fact that it is located in Texas, the one fast-growing mega-state.
Another idea on the docket: using the phone as a second or third factor for other bank channels.
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Europe is still mired in a recession and a debt crisis that tends to flare up every few weeks, while slower growth in countries like China was a big factor in a disappointing third-quarter earnings season.
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The company says it has about 6, 000 customers - and a survey of a third of these showed that parents had become a major factor in purchases.
The DEL Minister, Dr Stephen Farry, said the research suggested that the money was a deciding factor for only a third of students.
The next most common factors is a drop in household income, which can be related to the death of a spouse or an independent factor. (Note: People who shift from owning to renting are generally economically less well-off than those who continue to own.) And the third factor: nursing home entry of a family member.
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Consumer demand was a key factor in pushing up GDP growth in the third quarter, from the much weaker 1.3% expansion in the previous three months.
While the first two prongs of the FDUTPA could be argued in favor of the Plaintiff, the third factor of showing actual damages will be a difficult task.
Malnutrition is associated with over a third of children's deaths and is the single most important risk factor in many diseases (see chart).
This is a critical success factor when managing and leading major transformational changes that include rapid growth in third-world countries, and in the global population, as well as a huge increase in the number of people connecting online around the world.
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That factor alone raised the Consumer Price Index for October by just under one third of a percentage point.
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