India traditionally follows wholesale data closely, although the more representative consumer inflation numbers introduced a couple of years ago are expected to become the benchmark in some years.

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Among changes that might work in consumers' favor are liability protection for certain claims and coverage for mold more generous than that of the typical ISO policy, says Mr. Schwarcz, who also serves as a consumer representative at the National Association of Insurance Commissioners, an organization of state regulators.

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The survey is based on a representative sample of 5, 000 U.S. households and measures consumer sentiment on current economic conditions and the spending outlook for the next six months.

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One of the things that makes the cost to the consumer so high is that they are paying significant markups to cover dealer, sales representative and designer commissions.

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Representative Timothy Wirth (D-Colo.), head of the House subcommittee on telecommunications, consumer protection and finance, points out that the SEC staff actually has decreased by 5% in the last five years as financial products have mushroomed.

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The Consumer Price Index program produces monthly data on changes in the prices paid by urban consumers for a representative basket of goods and services.

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