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      <title>Finance Unit 4 by Harry moxey</title>
      <link>https://padlet.com/hazamoxey/e333qqlg4l9a</link>
      <description>Made With Depression</description>
      <language>en-us</language>
      <pubDate>2019-03-28 10:02:26 UTC</pubDate>
      <lastBuildDate>2019-04-01 11:38:07 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>1.1 An overview of the financial system</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346051827</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:17:33 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346051827</guid>
      </item>
      <item>
         <title>1.2 Trends in the financial sector</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346053258</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:23:04 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346053258</guid>
      </item>
      <item>
         <title>1.3 Financial intermediation</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346053636</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:24:24 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346053636</guid>
      </item>
      <item>
         <title>1.4 The sources and applications of funds</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346053747</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:24:54 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346053747</guid>
      </item>
      <item>
         <title>1.5 New types of financial services provision</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346053864</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:25:20 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346053864</guid>
      </item>
      <item>
         <title>2.1 The importance of competition</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055031</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:29:40 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055031</guid>
      </item>
      <item>
         <title>2.2 The competition situation in the UK</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055144</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:30:01 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055144</guid>
      </item>
      <item>
         <title>2.3 The need to promote more competition</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055217</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:30:16 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055217</guid>
      </item>
      <item>
         <title>2.4 Methods of increasing competition</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055274</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:30:31 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055274</guid>
      </item>
      <item>
         <title>2.5 The consumer environment and the determination of consumer choice</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055352</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:30:47 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055352</guid>
      </item>
      <item>
         <title>3.1 The sustainability of the financial services system</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055679</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:32:01 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055679</guid>
      </item>
      <item>
         <title>3.2 The sustainability of individual providers within the financial services system</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055788</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:32:27 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055788</guid>
      </item>
      <item>
         <title>3.3 The sustainability of financial products</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055859</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:32:48 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346055859</guid>
      </item>
      <item>
         <title>3.4 Trends in (un)sustainability</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346056663</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:35:38 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346056663</guid>
      </item>
      <item>
         <title>3.5 Conclusion</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346056778</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:36:01 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346056778</guid>
      </item>
      <item>
         <title>4.1 How the media treat financial matters</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057026</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:36:54 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057026</guid>
      </item>
      <item>
         <title>4.2 Extreme reporting v the balanced view</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057123</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:37:13 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057123</guid>
      </item>
      <item>
         <title>4.3 Behind the headlines</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057190</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:37:28 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057190</guid>
      </item>
      <item>
         <title>4.4 The media as watchdog</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057282</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:37:45 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057282</guid>
      </item>
      <item>
         <title>5.1 The external environment and PESTEL analysis</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057782</link>
         <description><![CDATA[<div><br>P - Competition and consumer protection<br>E - Changes in interest rate, interest rates, competition and housing market<br>S - Changing lifestyles, Unemployment rates and demographic trends<br>T - <br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:39:37 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346057782</guid>
      </item>
      <item>
         <title>5.2 The political environment</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058051</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:40:38 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058051</guid>
      </item>
      <item>
         <title>5.3 The economic environment</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058194</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:41:19 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058194</guid>
      </item>
      <item>
         <title>5.4 The social environment</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058279</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:41:38 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058279</guid>
      </item>
      <item>
         <title>5.5 The technological environment</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058369</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:41:53 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058369</guid>
      </item>
      <item>
         <title>5.6 The legal environment</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058465</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:42:12 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058465</guid>
      </item>
      <item>
         <title>6.1 Change, uncertainty, risk and loss</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058607</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:42:48 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058607</guid>
      </item>
      <item>
         <title>6.2 Changing rates of inflation</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058684</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:43:02 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058684</guid>
      </item>
      <item>
         <title>6.3 Volatility in the stock market</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058746</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:43:14 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058746</guid>
      </item>
      <item>
         <title>6.4 Economic uncertainty</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058792</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:43:25 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058792</guid>
      </item>
      <item>
         <title>6.5 Attitudes to credit and debt</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058844</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:43:35 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058844</guid>
      </item>
      <item>
         <title>6.6 Institutional issues</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058905</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:43:46 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346058905</guid>
      </item>
      <item>
         <title>6.7 Changing weather patterns</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059089</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:44:17 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059089</guid>
      </item>
      <item>
         <title>6.8 Religious attitudes to financial products</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059183</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:44:34 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059183</guid>
      </item>
      <item>
         <title>6.9 Ethical and environmental concerns</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059271</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:44:54 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059271</guid>
      </item>
      <item>
         <title>6.10 Terrorist attacks</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059372</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:45:15 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059372</guid>
      </item>
      <item>
         <title>7.1 Effectiveness</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059703</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:46:22 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059703</guid>
      </item>
      <item>
         <title>7.2 Targeting consumer groups</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059807</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:46:43 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059807</guid>
      </item>
      <item>
         <title>7.3 Marketing materials and information</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059861</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:46:54 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059861</guid>
      </item>
      <item>
         <title>7.4 The small print and regulatory requirements</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059915</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:47:05 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346059915</guid>
      </item>
      <item>
         <title>7.5 Different types of marketing</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060021</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:47:22 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060021</guid>
      </item>
      <item>
         <title>7.6 Different advertising methods</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060078</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:47:35 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060078</guid>
      </item>
      <item>
         <title>7.7 Ethics, sustainability, corporate social responsibility and environmental issues in marketing literature</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060236</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:48:07 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060236</guid>
      </item>
      <item>
         <title>7.8 Evaluating the marketing effort</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060368</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:48:35 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060368</guid>
      </item>
      <item>
         <title>7.9 How different approaches fit different business contexts</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060503</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:49:05 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060503</guid>
      </item>
      <item>
         <title>7.10 Marketing and the wider industry context</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060611</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:49:24 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060611</guid>
      </item>
      <item>
         <title>7.11 Marketing and the changing financial services industry</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060707</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:49:40 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060707</guid>
      </item>
      <item>
         <title>8.1 Managing the customer relationship</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060909</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:50:25 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346060909</guid>
      </item>
      <item>
         <title>8.2 Attracting and retaining customers</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346061390</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2019-03-28 10:52:09 UTC</pubDate>
         <guid>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346061390</guid>
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         <title>8.3 Achieving customer satisfaction</title>
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         <pubDate>2019-03-28 10:55:19 UTC</pubDate>
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         <title>9.1 Meeting the needs, wants and aspirations of a market segment</title>
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         <pubDate>2019-03-28 10:56:22 UTC</pubDate>
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         <title>9.2 Market research in financial services</title>
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         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346062489</link>
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         <pubDate>2019-03-28 10:56:43 UTC</pubDate>
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         <title>9.3 The product development process</title>
         <author>hazamoxey</author>
         <link>https://padlet.com/hazamoxey/e333qqlg4l9a/wish/346062646</link>
         <description><![CDATA[]]></description>
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         <pubDate>2019-03-28 10:57:18 UTC</pubDate>
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