The Price of a Woman’s Face

I was shopping one of my favorite retailers last weekend–Target. Big Red and I have a history. For years, one of my beloved pastimes is to grab a cinnamon dolce latte from Starbucks and just browse aimlessly up and down the aisles until something interesting lands in my cart. This particular weekend the spirit moved me in the cosmetic aisle and I scored six E.L.F. (Eyes, Lips, Face) items for six bucks. That’s less than how much I usually pay for a tube of mascara!

My weekend “score”

High off of my dollar-a-tube spending spree, I was fairly impressed with my purchase. But then I was quickly deflated when I started to add up the other products that currently have a home on my face. For one, I use a department store foundation ($25), which I have been conditioned to believe that I just cannot live without. Same goes for eye shadow (another $25). But my latest “big ticket” cosmetic purchase is an Arbonne makeup primer, which with tax and shipping set me back about fifty bucks.

My guilty pleasure

So even if I replaced my eyeliner, mascara, lip gloss, blush, powder and concealer with E.L.F. products, I put a grand total of $106 on my face each day.

I am a self-admitted make-up junkie, so I spend a bit more on cosmetics than the average Jo(an). According to the BIGinsight™ monthly survey, women spend an average of $16.22 a month on both skin care and cosmetics combined. That equals out to about $195 a year. Women ages 35-44 appear to spend the most, likely due to means or possibly motivation—a wrinkle (gasp!). Women 65+ spend the least.

You could probably guess that my favorite place to purchase cosmetics is Target. And although Walmart is King Queen when it comes to store shopped most often for skin care and cosmetic products for women of all ages, Target is more likely to crop up in the list among younger sets.  Drug stores are also popular choices across the board.

Discounters and drug stores are likely popular choices because they carry what a woman wants – at price points most of us ladies can afford. Cover Girl is ranked as the most popular cosmetic line for all age breaks, followed by Maybelline in most instances (women 65+ seem to rely pretty heavily on their Avon lady). Revlon comes in at #3 for women ages 25-34, 35-44 and 55+.

For more information on this data, please contact BIGinsight™.

Source: BIGinsight™ Monthly Consumer Survey, Jul-11, N=8684

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development Corp.

Why Are Shoppers So Glum About Spending?

As we recently reported in our April BIG Executive Briefing, two in five consumers (39.8%) say they plan to decrease overall spending over the next three months…that was April’s top financial priority, dethroning the usual intent to pay down debt (34.7% in Apr-12).

Forty percent actively attempting to curtail their expenditures is a big number. So big, in fact, that we’ve only approached this figure three times in the past SEVEN years. Researching this a bit further, it was pretty easy to tie a piece of history to each of the three previous peaks: Hurricane Katrina, the Summer ’08 Record High Gas Prices, and Holiday ’08 (see chart below, but don’t strain your brain…I’ll break it down in a second). Because two of these three events had at least a little something to do with pump prices, I added in the average price per gallon of gas during the week of our survey collection, as reported by the U.S. Energy Information Administration.

Now, let’s break this down historically:

Hurricane Katrina: When this natural disaster slammed into the Gulf states in Aug-05, we were all affected nationwide. New Orleans, et al were literally adrift, slow response times left victims with prolonged suffering [*coughs* FEMA], and price per gallon of gas soared to $3 [ah, $3/gal…how I miss thee]. By September, consumers were responding with their spending sentiment: 40.0% were planning to decrease overall expenditures. As you can see in the chart though, as pump prices edged back downward, consumers backed off this conservative fiscal mantra.

Summer ’08 Gas Price Highs: According to the AAA Daily Fuel Gauge Report, pump prices hit an all-time high on July 17, 2008, at $4.114/gal. By now we were also in the belly of the recession, and 39.2% of consumers reacted with plans for spending cutbacks. And though gas prices bottomed-out by Holiday 2008, consumer spending plans didn’t respond in kind #thankyoubankfailures

Holiday ’08: It’s safe to say that the Holiday 2008 shopping season was a disaster. The severe spending cutbacks that materialized with shoppers were not anticipated by retailers, who were left deeply discounting the massive amounts left on their store shelves pre- and post-holiday. More than two in five consumers (42.9%) rang in New Year 2009 with resolutions to decrease overall spending, a record high. So – obviously – it’s not always gas prices that ignite spending cutbacks among consumers…sometimes, you can blame it on a recession.

Furthering the point that pump prices aren’t always that culprit, when the cost of fueling up topped off at over $4/gal last May, drivers didn’t have a fiscal knee-jerk reaction. While at the time consumers were bracing for a $4.25/gal price by Memorial Day ’11, that never materialized and plans to decrease overall spending continued to fluctuate in a relatively [new] “normal” 30% to 35% range.

So what’s different this year? Average gas prices have crossed that $4/gal threshold again, and 39.8% have responded with plans to cut back. Have consumers just had enough? Are they tired of dealing with pump prices in addition to the inflating price tags on apparel, food, and other household items? Are they not willing to tap into their hard-earned savings to cover the additional costs of fueling up? Are they hedging on a response [or lack thereof] from Capitol Hill?

At any rate I think it’s safe to say that if gas prices don’t cool off as summer heats up, retailers might be in for a spending drought.

For more information on this data, please contact BIGinsight™.

Like the timeline infused with BIG data? Be sure to sign up for complimentary access to our Vital Signs InsightCenter™, an advanced platform for the visualization and delivery of insights and answers on how consumers in the U.S. are reacting to key economic events. It illustrates how consumers feel about the economy, changes they make in their lives in reaction to the economic situation, and how their personal financial and spending plans are affected by key events. It goes beyond traditional point-in-time data reports to trended insights in one easy-to-use, decision-ready format.

Source: BIGinsight™ Monthly Consumer Survey – APR-12 (N = 8724, 4/3 – 4/10/12)

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development Corp.

Consumer Buzz: Women’s Clothing

According to new analysis by BIGinsight, department stores are more buzzed about than discounters when it comes to shopping locales for feminine apparel.* For this special report, we’ve applied the Net Promoter Score** metrics system to our April Consumer Survey data to show how consumers perceive their Women’s Clothing store of choice.

Here, we took the percentage of a destination’s detractors from the number of those who actively promote their Women’s store of choice, which helps us evaluate the strength of a retailer’s image for the Women’s Clothing category. And, among the Top 5 stores for this segment, we found that Kohl’s receives the most net positive buzz (NPS = 36.2%) from its customers, followed by Macy’s and JC Penney (see below). While Target’s NPS was significantly lower than its department store counterparts (at 2.6%), the discounter still garnered an overall positive rating. That other big discounter – Walmart – was the only retailer in the Top 5 to calculate a negative NPS (-10.3%)…ouch.

It’s interesting to note that while the most buzzed about retailers are department stores by definition, each courts customers based on varying motivations. For the Kohl’s and JC Penney shoppers, price and selection are the key reasons to peruse their racks; for Macy’s, it’s quality and selection. At Walmart, customers shop based on price and location, while Target woos shoppers with a mix of price, selection, and location (shoppers seem divided between the latter two).

What analysts are buzzing about, though, is consumers’ reaction to JC Penney’s new “Fair & Square” pricing strategy. As it turns out, JC Penney’s customers just aren’t as likely to be lured by coupons and special deals when it comes to shopping the Women’s section. While Walmart and Target are the least likely to be motivated by this sales simulant, over at Kohl’s, we might see shopper anarchy if this department store darling adopts a similar strategy #kohlscashforever

*April 2012’s Top 5 Retailers for Women’s Clothing (Kohl’s, Walmart, Macy’s, JC Penney, Target) were analyzed for this blog.

**Net Promoter, NPS and Net Promoter Score are trademarks of Satmetrix Systems, Inc., Bain & Company, and Fred Reichheld

The NPS which takes a simple question–Would you recommend us to a friend?–has helped countless organizations better understand “promoters” and “detractors” and paint a clear picture of their company’s performance through the eyes of their customers. By applying the Net Promoter Score*, executives can identify their customer base and move beyond “sufficient” to brand loyalty and growth.

For more information on this data, please contact BIGinsight™.

Source: BIGinsight™ Monthly Consumer Survey – APR-12 (N = 8724, 4/3 – 4/10/12)

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development Corp.

Up, Up, and Away: Consumers Talk Rising Prices

Consumers are still hyped up over inflated prices on many common household purchases, including food and gasoline, according to the latest results from BIGinsight™ Monthly Consumer Survey.

In our March survey, we asked our 9,000+ respondents the direction they felt prices were headed for items like children’s clothing, electronics, jeans, and of course the aforementioned food and fuel. We then tabulated this data (asked on a 5 point Likert scale, from “Significantly Less” to “Significantly More”) into our easy-to-read Diffusion Index, and – voila! – another informative blog post.

Let’s start with the hard facts:
– We asked about a broad range of products, from different types of apparel to items found around the home to staples. We are serving up a sampling of the results here.
– None of the items we price-checked with consumers ended up with a negative Diffusion Index (i.e. there was no consensus that any one item was more likely to decline in price rather than rise).
– FYI: an index of zero would mean that the vote was split on the decline-or-rise debate.

Probably not-so-surprisingly, consumers pegged Gasoline as the item most likely to pump up in price over the next six months (index = 70.4), while Food followed with a nearly as impressive score (index = 63.2). Concerns with textile prices are still evident with more consumers [than not] anticipating that the cost of a pair of jeans or a fashion top will elevate this year.

What might be most surprising about this data? Among all of the items that we surveyed, Electronics received the lowest index (at 29.4). But that Apple iPad 2 can now be had for $399, right?

The key takeaway here is that consumers are hedging against rising prices – meaning that they will curb spending in other areas to compensate. While confidence did uptick in March, we also saw rising proclivities toward practicality and saving. Stay tuned for next week when we reveal how consumers are coping in April.

For more information on this data, please contact BIGinsight™.

Source: BIGinsight™ Monthly Consumer Survey – MAR-12 (N = 9242, 3/6 – 3/13/12)

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development Corp.

Easter Will Be Hoppin’ for Parents this Year

Ah, the Easter Bunny. Not quite as generous as Santa, but still a fun holiday mascot. Growing up, our Easter Bunny would always hide our baskets around the house, and it was a competition between my two sisters and me not to be the rotten egg – the last one to find her basket. My older sister was always the worst at this – she even lost the year her basket was “hidden” under a paper grocery sack in the middle of the living room floor. #goodtimes

Aside from the obvious – and important – religious aspect of Easter, the holiday has become a lucrative time for retailers to boost sales, too. Easter rivals Mother’s Day and Valentine’s Day in terms of amount consumers plan to spend. So, let’s focus on the commercial side of Easter with a look at the holiday’s “big spenders” – parents.

Let’s face it – not everyone anxiously awaits E. Bunny’s arrival. For those of us without children in the household, we pick up food, candy [hold the marshmallow-esque confections, please!], perhaps some flowers, and a few cards and call it a day, spending-wise. For parents with children in the household, it’s a little different – Susie’s gotta have a new dress that’ll get dirty in a few minutes, Johnny needs a tie that he’ll yank off in no time, and the baskets. Oh, the Easter baskets.

My parents were generally pretty conservative with our baskets [though I’d always covet those monstrous pre-packaged ones you see in the mass stores]. Amid the room-temperature, psychedelic colored hard-boiled eggs, we’d find a fair amount of candy and usually a small gift worth $5 or so. Now I’m not implying that parents today go overboard with the baskets, but judging by the amount they plan to spend on the holiday this year compared to your average celebrant (“Adults 18+”), we can see that there’s definitely more of a financial burden on this segment when it comes to playing the part of the Easter Bunny.

According to the data we collected in March for the National Retail Federation, 91.7% of parents with children in the household (“Parents”) plan to celebrate Easter this year, indexing higher compared to adults in general (81.9%). And among these Parents, they plan to spend a whopping $195.09 for the Easter holiday, more than a third higher than average ($145.28). How does all of this break down? About a quarter of this spending is budgeted for food ($52.36), while apparel ($39.41), gifts ($28.47), and candy ($26.43) make up the bulk of the balance. Here’s a visual:

While discounters (69.2%) will be the most likely stop for Parents on their Easter spending spree, the majority (53.2%) of these consumers will also head to department stores. Parents are nearly 50% more likely to visit a specialty clothing store (14.2%) for Easter apparel this year compared to Adults 18+ (9.7%) – looks like little Johnny might be decked out in fancy duds this year.

For more information on this data, please contact BIGinsight™.

And, for the full press release from the National Retail Federation: Spring Apparel, Candy to Send Easter Sales Past $16 Billion, According to NRF.

Source: BIGinsight™ Monthly Consumer Survey – MAR-12 (N = 9242, 3/6 – 3/13/12)

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development Corp.

“Save-not-Squander” + More on The Changing American Consumer

I co-hosted the March BIG Call with a very special guest, Dr. Marianne Bickle, Chair and Director for the Center for Retailing, University of South Carolina. Armed with BIGinsight™ data, Marianne authored the new book, The Changing American Consumer (more on that in a second).

For the first half of the call, I presented new insight from our March Monthly Consumer Survey, which included:
– A rise in Consumer Confidence for the fifth consecutive month
– Fizzling spending with Practicality, Focus on Needs heating up
– The “Save-not-Squander” financial mantra
– The Pain at the Pump predicament
– A BIG Forward Look at 90 day spending plans

For the second half of the Call, Marianne presented NEW findings on the Fast Food industry (which has been a hot topic lately…see also here, here, and here). Using our BIG data, Marianne analyzed consumer trends in Fast Food – by income, census region, and gender – and brought everything full circle with a discussion on The Changing American Consumer.

To listen to the recorded webinar, click here.

 

For more information on this data, please contact BIGinsight™.

Source: BIGinsight™ Monthly Consumer Survey – MAR-12 (N = 9242, 3/6 – 3/13/12)

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development Corp.

“Fair is Fair” but is Square…well…Square?

As any self-respecting child of the 80’s knows – “Fair is Fair.” Doesn’t the theme from that nearly 30 year old [ack!] cult classic take you back? Pat Benatar, anyone? Supergirl? An undying love for Christian Slater? But I digress…let’s hop out of the DeLorean and evaluate what really got me thinking about “Fair is Fair”:

JC Penney’s new “Fair & Square” Ad Campaign

The complete overhaul of JCP’s marketing, merchandising, and promotions plans certainly made headlines in the retail community, but what do consumers really think about this strategy switch-up? In addition to being practical and realistic in their purchasing, today’s shoppers are also “intelligent”: researching products, comparing prices, stalking sales, and couponing like crazy.  And, consumers are all the more informed when aided by their mobile devices. Knowing all this, it seems that JCP’s new “Fair & Square” approach might be as dated as a Flock of Seagulls hairdo. So who’s buying what JCP’s selling?

In our March Consumer Survey of more than 9,000 consumers, we put JC Penney’s “Fair & Square” Ad Campaign to the test in our monthly “Hot or Not?” feature. As it turns out, more deemed it “not” (58.3%) than “hot” (41.7%) – placing “Fair & Square” in the middle of the pack compared to the other items we polled this month.

But who are the two out of five customers who have at least had their interests – if not their wallets – piqued by “Fair & Square”? These shoppers are more prone to be women (59.9%), married (53.2%), middle-aged (46.7 years, on average), and earning about $56,000/year…sounds like JC Penney’s typical Women’s Clothing shopper.

Is that not interesting enough for you? Let’s take a look at “Fair & Square” from a different perspective – Women’s Clothing shoppers from competing retailers.* Interestingly, fewer shoppers at Walmart – home to the somewhat similar EDLP pricing strategy – warmed up to the idea of “Fair & Square.” Macy’s, Nordstrom, and Old Navy shoppers were relatively more excited by the concept than Kohl’s or Target loyalists:

From this standpoint, it appears that most shoppers have a so-so opinion of “Fair & Square” so far. Perhaps they’re walking into JCP to see what all of the fuss is about, but whether or not they’ll convert to the retailer over the long haul remains to be seen – as does the department store’s ability to retain its current customer base.

Ah, Love Retail is a Battlefield.

For more information on this data, please contact BIGinsight™.

* A selection of Women’s Clothing retailers was analyzed for this report. “Women’s Clothing Shoppers” are defined as those who shop most at a given retailer for Women’s Clothing (an unaided, write-in response).

Source: BIGinsight™ Monthly Consumer Survey – MAR-12 (N = 9242, 3/6 – 3/13)

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development Corp.

FYU: Shoes

As reported in our latest Executive Briefing, Payless has once again surpassed Walmart for the top spot in Shoes. If you are a follower of our monthly insights on this topic, you would know that while this is a rare occurrence (Payless was last #1 in NOV-09), these two footwear retailers have been tangling for the top prize for quite some time:

Is there a reason behind Payless’ failed commitment to the lead in Shoes? Why isn’t Walmart hot-to-trot in this category, as it is with Men’s and Children’s Apparel, Groceries, and Health & Beauty Care? And doesn’t that two month upswing for Kohl’s, DSW, JC Penney look interesting in the chart above? For Your Understanding this month, we’ll hoof it through these questions, courtesy of our Retail Ratings Reports*.

In just the first few pages of this handy guide, we can see that:

–  Women have a preference for Payless, while Men typically head to Walmart most often. But speaking from a strictly biased point of view (#iloveshoes), we females are the Shoe connoisseurs and not-so-much for the fellas, right?
–  The sweet spot group of customers for both Walmart and Payless earn under $50,000 per year – so these retailers are competing for a lot of the same attention.
–  Interestingly, Kohl’s is tops among consumers in the lucrative $50,000+ and $75,000+ income brackets (though Payless is a close #2 with $50,000+ wage earners.)
–  Payless is the victor among the young crowd (18-34 year olds) and lands about a point ahead of #2 Walmart with shoppers 35 to 54 years old. Walmart is the favorite among those 55+.
–  Among the fashion forward set (a growing group of shoppers, according to our latest findings), Payless is most popular, followed by DSW, Foot Locker (OK, maybe a few men do enjoy shopping for Shoes), Macy’s, and finally Walmart. The competition is closer between Walmart and Payless among those who prefer value and comfort as well as shoppers sporting traditional styling.
–  Payless is tops in the Northeast and out West, while Walmart holds the Southern stronghold. Walmart leads by just a point over Payless and Kohl’s in the Midwest.

But let’s look a bit deeper with the Consumer Equity Index™ (CEI). The CEI – available exclusively within the Retail Ratings Reports – is a year-over-year index showing growth or decline of Consumer Preference Share (the % we collect each month for the store shopped most often). Here’s a key:

CEI = 100 (flat)
CEI = 105 (5% growth)
CEI = 95 (5% decline)

Our latest CEI ratings for Shoes show that Walmart is slipping in a segment in which Payless shines (along with Kohl’s and DSW and Macy’s and JC Penney):  the all-important and all-knowing female segment. Here, Payless has experienced near 12% growth while Walmart is suffering from a near 20% decline.

BTW, your eyes aren’t deceiving you: female consumer preference share for DSW has increased 30%+ over March 2011. Macy’s and Kohl’s are also excelling among Women with nearly 20% growth apiece. Rising share for JC Penney is more in line with Payless at about 12%. #fiercecompetition

And, recall that sweet spot of core customers for both Walmart and Payless? If you were to analyze the CEI ratings for those earning under $50,000/year, you would find that Payless’ share is gaining, while Walmart’s is waning.

Now you understand: Payless is gaining ground over Walmart with two key demographics for both of these discount-oriented retailers: 1.) Women and 2.) Under $50,000 wage earners. Growing competition from the likes of Kohl’s, DSW, and JC Penney may be preventing Payless from gaining surer footing as the lead in this category.

Bottom Line: I clearly need more shoes Stay tuned for further developments in this hot category.

For more information on this data, please contact BIGinsight™.

Source: BIGinsight™ Monthly Consumer Survey, MAR-11 – MAR-12

* Retail Ratings Reports are available monthly for the following categories: Women’s Clothing, Men’s Clothing, Children’s Clothing, Shoes, Linens/Bedding/Draperies, Electronics, Hardware, Children’s Toys, Sporting Goods, Groceries, Health & Beauty Care, Prescription Drugs.

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development Corp.

Generation Gap: Confidence Defined

The components that contribute to confidence can differ from person to person. Is the stability of the national economy most important? Where do personal concerns with employment, finances, and the future come into play? Does the stock market influence anyone’s sentiment regarding the economy?

In this new analysis of the more than 9,000 respondents who completed our March Consumer Survey, we’re taking a look at how consumers define confidence. And, to make it even more interesting, we’re dissecting this data by generation:

Silent (born 1945 or earlier)
Boomers (born 1946 – 1964)
Gen X (born 1965 – 1982)
Gen Y (born 1983 – 1993)

Among adults in general, “Trust in the stability of the national economy” was deemed to have the most influence when determining one’s level of confidence (49.5%). “Trust that your future financial situation will improve” (44.3%), “Trust in employment conditions and your ability to get or keep a job” (42.5%), and “Trust in a positive future for your family” (39.9%) followed.

While stability of the national economy was important across all generations, it is most valued among Silents (60.5%) and Boomers (55.3%) – and was each of these segments’ top confidence influencer. The younger sects, though, were more likely to define confidence from a more personal perspective. Nearly half of Gen Y-ers (46.4%) said that employment conditions/ability to keep a job was most influential; this was also the #1 confidence component for Gen X (45.8%).

Gens X (42.6%) and Y (43.3%) were also more likely to add “Trust in a positive future for your family” to their confidence equation compared to Boomers (38.3%) and particularly Silents (33.3%). “Trust in the future place of employment” was important to nearly a third of each generation, save for the Silent generation (13.4%) – presumably with retirement in sight, or at hand, for these consumers.

Additionally, the older the generation, the more likely that macro-environmental issues play a role in defining confidence. “Trust in government’s international policy,” “Trust in stock market,” “Trust in government’s domestic policy,” and “Trust in regional economy” peaked among Silents and tapered off with declining age.

No matter how you define confidence, though, the slow improvement we’re seeing for consumer sentiment (currently at 34.8%) is a step in the right direction for an economy – and a population – that have been struggling for several years. Stay tuned to see if this optimism can be sustained throughout the springtime or if rising gas prices with quash this good feeling.

For more information on this data, please contact BIGinsight™.

Source: BIGinsight™ Monthly Consumer Survey – MAR-12 (N = 9242, 3/6 – 3/13)

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development Corp.

Is Pinterest Your New Obsession?

About two months ago my friend asked me why I wasn’t on Pinterest.  Honestly…I had heard of it but didn’t really know what it was, and I didn’t have the time or desire to figure it out.  I’ve always been the last of my friends to IM, text, join Facebook, get a Smartphone, etc.  Why would Pinterest be any different?!  It just so happened to be a dreary Sunday that I received an invite to join Pinterest.  Other than the typical day of cleaning, laundry, trip to the grocery store and family time, I had nothing else to do…why not check it out!  Needless to say, my household chores got put on hold!  That trip to the grocery store had to wait until Monday because I had to start the shopping list OVER with all the new recipes I found!

According to the November 2011 BIGinsight™ Monthly Consumer Survey, 19.9% of Females 25-34 said Pinterest was a “HOT” trend.  [Yes, I happen to fall into this age break.]  Females 18-24 follow close behind at 17% and 13.6% of Moms find Pinterest to be “HOT”.

Did I mention that Pinterest turned that dreary Sunday into a Glorious Sunny Day?!  [In my head that is!]  Once I figured out how to create “Boards” and “Pin” what I liked…I was off and pinning (LOL!)  I have found new ways to organize, creative/easy dinner recipes, Peanut Butter Brownies that are to die for, wedding gift ideas, cleaning home remedies, holiday DIY decorations, fashion tips, parenting ideas…I can go on and on and on!  As you can see below in a few of my favorite boards…

Typically, I log on to my account 2-3 times a week, and have to limit how much time I spend on there.  Time gets away from me too easily and I tend to get consumed by the endless amount of pinning!  According to a recent American Pulse™ Survey, 8.3% of Females 24-35 say they log in to Pinterest 2-3 times a week.  10.2% of Females 18-24 frequent the site more than once a day–they must be more “pinterested” than I am!

 

For more information on this data, please contact BIGinsight™.

Source: BIGinsight™ Monthly Consumer Survey – NOV-11 (N = 8502, 11/1 – 11/8/11)

Source:  American Pulse™ Survey – February 2012 (N=3349, 2/13 – 2/20/12)

© 2012, Prosper®

BIGinsight™ is a trademark of Prosper Business Development.