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By offering credit through its shops, Allied, the furniture and carpet retailer, is trying to get consumers to:

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  1.  decrease both disposable and discretionary income.

  2.  expand disposable income at the expense of discretionary income.

  3.  expand current buying power at the expense of future buying power

  4.  expand both disposable income and wealth.

  5.  expand discretionary income at the expense of disposable income.

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