So they are aimed towards a market that has enough disposable income to pay professionals to manage their money, rather than doing it themselves.

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According to JD Powers and Associate, consumers with higher disposable income are now excited by the Ford brand and are willing to pay the higher price associated with its vehicles.

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Also, if you take the view (which not everyone does) that households need to continue to save and pay down debt that is still a relatively high 160% of disposable income, then households' expenditure is likely to remain subdued for some considerable time.

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