The trend for students to combine work and study has been increasing rapidly over recent years. This has raised the question as to whether the students' studies will be adversely affected by their part-time employment. A survey of 359 students at Manchester Metropolitan University was carried out in March 2000. The results indicate that more students are working compared to survey results from one year earlier. There are adverse effects on study in the form of missed lectures, and students' perceptions are that coursework grades are lower than they would have been had they not been working. Nevertheless, students highlight the bene ts of working, which are not only monetary but include the development of skills, greater understanding of the world of business and an increase in con dence, all of which are advantageous to their studies, both at the present time and in the future.

It is acknowledged 1 that with the development of services marketing specifically related to health services comes a need to understand the aspects of consumer risk behaviour. This paper examines differences in perceived risk between health services, general services and goods and will seek to substantiate and develop a previous US study, 2 utilising a quantitative methodology with repeated measures and nested factors. The conclusions support the hypotheses that there are significant differences in perceptions of social and psychological risks when purchasing health services.

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It is acknowledged (Weinstein & Nicholich, 1993)