With bank deregulation and more sophisticated customers, it has become very important that banks and other financial institutions determine the factors which are pertinent to the customer′s selection process. Through a survey of households, evaluates the relative importance attached to selection criteria used to choose a financial institution. The results provide the basis for a demographic and behavioural profile which is used to examine the emphasis of some criteria over others.

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Decentralization has been instituted as a reform effort aimed at accomplishing devolution in the Australian state of Victoria. This study documents this reform and investigates its implications for the principal-ship in Victorian schools. Interview data are presented to document implementation problems and the effects of these reforms on the influence of principals and the future of the principalship in Victoria.

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