"People will buy jewelry with an eye toward investment, " says Pam Danziger, president of Unity Marketing, which tracks consumer behavior.

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This group will take over as the largest generational segment in the luxury consumer market around 2018-2020, according to Unity Marketing.

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Twenty-seven percent of gift-givers wait until the last minute to make their purchases, according to a 2006 gifting survey conducted by Pennsylvania-based Unity Marketing.

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But Pam Danziger, president of Unity Marketing, a Stevens, Penn.

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"The marketers that have been targeting the super wealthy are going to be OK in this marketplace, " says Pamela Danziger, founder of consumer research and retail consulting firm Unity Marketing.

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Pam Danziger, president of Unity Marketing, certainly thinks so.

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The Unity Marketing Luxury Consumption Index, took its steepest quarterly plunge since the recession (between fourth quarter 2007 to first quarter 2008), falling 16.8 points to bottom out at 66 points.

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