43rd Annual Conference of the American Council On Consumer Interests 

April 2-5, 1997. Salt Lake City, Utah. 

Consumer Interests Annual, Volume 43 

Irene E. Leech, Editor 

Invited Lecturers and Special Speakers 

• The Colston E. Warne Lecture: A View from the States - Hubert H. "Skip" Humphrey III 
• Consumer Policy Perspectives: A View from Washington - Leshe Byrne 

Refereed Papers

• Consumers' Response to Credit Card Solicitations - Jeanne M. Hogarth, Jeffrey F. Shue 
• The Welfare Impact of Apparel Price Increases: Who Gets Hurt More, the Poor or the Rich? - Jessie X. Fan, Jinkook Lee, Sherman Hanna 
• Consumer Satisfaction with Vehicle Leasing - Sharon DeVaney, Janet C. Bechman 
• Why We Need Economic Insights to Know What's Good For Us - James N. Morgan 
• The Economic Impact of Widowhood in the 1990's: Evidence from the Survey of Income And Program Participation - Karen C. Holden, Cathleen D. Zick 
• Beyond Control? Understanding Consumer Behavior Using a Measure for Consumer Locus of Control - Michael A. Busseri, Robert R. Kerton, Herbert M. Lefcourt 
• Who Leaves the Farm? An Investigation of Community Supported Agriculture (CSA) Farm Membership Renewals - Jane Kolodinsky Leslie Pelch 
• The Paid and Unpaid Contributions of Wives to Family Businesses - Barbara R. Rowe, Gong-Soog Hong 
• Retirement Savings of Nonfarm Self-employed Workers: An Exploratory Study - Sharon A. DeVaney, Yo-ping Su, Constance Y. Kratzer, Deanna L. Sharpe 
• Consumption Patterns of Asian-Canadians and Canadian-Born - Deanna L. Sharpe, Mohamed Ahdel-Ghany 
• Chinese Adolescent Consumer Socialization: A Study of Chinese Urban Adolescents' Involvement in Family Purchasing Activities - Xiaobing Cao, Dorothy Z. Price, David W. Price, Qingwen Dong
• Decision-making Styles of Young-adult Chinese Consumers: An International Comparison - Jessie X. Fan, Jing J. Xiao, Yinzhou Xu
• Experiential Consumption: A Little Information May Not Be a Good Thing - Monroe Friedman
• Indicative Measures of Health Risk Information on Fat and Cholesterol for U.S. and Japanese Consumers - Sam-Ryang Kim, Wen S. Chern 
• Economic Security Issues of Married Couples versus Unmarried Couples - Elizabeth M. Dolan, Marlene Stum 
• Who gets it right? Consumer Experiences with Mandatory Labeling of Dairy Products containing rBST - Jane Kolodinsky, David Conner, Qingbin Wang 
• Fresh Vegetable Prices: Do Supermarkets Raise and Lower Them the Same Way? - David R. Eastwood, Brian C. Carver, John R. Brooker 
• The Effects of Consumer Beliefs on Responses to Pesticide Residue Concerns: Implications for Food Safety Policy - Satish Y. Deodhar, Stanley M. Fletcher, Bryan J. Hubbell, Sukant K. Misra 
• Using Positive Behavioral Models to Help Older Consumers Avoid Victimization by Confidence Swindlers - Monroe Friedman 
• Consumer Protection in South Korea - So-Hyun Joo
• Financial Difficulty Measured as Monthly Deficit: An Empirical Analysis of Associated Factors - Flora I. Williams 
• Overspending Behavior of Households With and Without Vehicle Purchases - Chandrika Jayathirtha, Jonathan Fox, Sherman Hanna 
• Information as a Key Determinant of Medicaid Managed Care Health Plan Enrollment - Lois Wright Morton 
• An Event History Analysis of the Retirement Process - Jane Kolodinsky 
• Financing Long Term Care: A Family Perspective of Private and Public Responsibility - Marlene S. Stum 
• Elderly Volunteers: Analysis of Participation and Time Commitment - Soo Yeon Kim, Gong-Soog Hong 

Refereed Poster Session

• Complaint Behavior of Taiwanese Consumers - Yaolung James Hsieh 
• Consumer Issues and Policies: State Lotteries - Carole J. Makela, Suzanne M. Tucker 
• Virtual Economics - Susan J. Jenkins 
• Who Gets Grandma's Yellow Pie Plate? A Consumer Education Program Addressing the Transfer of Non-Titled Property - Marlene S. Stum 
• Who are the Unbanked? What will Happen When They are Required to Become Banked? - Lori Embrey, Jonathan Fox 
• Financial Abuse of Mentally Incompetent Older Adults: Findings From a Cooperative Research Project - John B. Bond, Jr., Rosemarie Cuddy, Karen A. Duncan, Steven Hill, Mary Kronenwald, Doreen L. Smith, Penny Yellen 
• New Enrollees' Satisfaction with Information from Their Medicaid HMO - Norleen Ackerman 
• What We Eat in America- Does Season Make a Difference? - Mary Y. Hama 
• Credit Card Behaviors of University Students: Ethnic Differences - Judy L. Allen, Margaret A. Jover 

Invited Papers 

• Unfair Discrimination in Insurance: A Look at Three Issues - Brenda J. Cude, Holly J. Hunts, Joan K. Lewis
• Overview of Multiple Imputation and Repeated-Imputation Inference (RII) Techniques - Catherine Phillips Montalto, Jaimie Sung 
• Logit Analysis of the Probability of Having a Negative Net Worth Using Repeated Imputation Inference (RII) Techniques on 1992 SCF - Peng Chen, Michael S. Finke 
• Tobit Analysis to Investigate Determinants of the Level of Assets in a Couples' Pension Accounts Using Mutiply-Imputed Data and RII Techniques - Yoonkyung Yuh, Sharon A. DeVaney, Sherman Hanna 
• Effects of Multiple Imputation: Empirical Results Using Linear Regression to Predict Level of Total Household Income - Catherine Phillips Montalto, Jaimie Sung 
• Divorce Education: Exploring the Role for Family and Consumer Economists - Cynthia Needles Fletcher, Jean W. Bauer, Kareen P. Goebel 
• Do Employee Wellness Participants Incur Lower Health Care Costs: Preliminary Empirical Results - George W. Haynes, Vincent Smith, Timothy Dunnagan
• Employers Pay Dearly for the Poor Financial Behavior of Employees - E. Thomas Garman, Irene E. Leech 
• Delivering Useful Information for Consumers: Conceptual and Methodological Issues - Jinkook Lee 
• The Effects of Trade Liberalization on Consumers in Developing Countries: In Terms of Information Flow, Choice of Alternatives and Redress - Karen M. McGowan 

Panel and Workshop Sessions 

• Invited Panel Session: A Comparison of the Structures and Current Issues of the Consumer Movements of Canada, Australia and New Zealand - Louise Sylvan, Lydia Shevchuck, Anne Pigeon, Sue McGregor, Margaret Charters 
• Directions in the Consumer's Interest: Issues of Accountability in Curriculum Revision - Lori Embrey, Michael Finke, Jonathan Fox, Loren Geistfeld, Margaret Mietus Sanik
• Influencing Public Policy: Child Support Policy In Transition - Jean M. Lown 
• Coping During Periods of Economic Uncertainty - Thesia I. Garner, Linda L. Stinson, Ramona K.Z. Heck, Marlene S. Stum, Janet E. Fast, Jane Shuchardt
• Privacy Issues on the World Wide Web - Elizabeth M. Dolan, Irene E. Leech, Jikyeong Kang
• Consumer Issues Related to Life Insurance and Genetic Testing: Preliminary Findings for the BRCA1 Gene Mutation -  Ken R. Smith, Cathleen D. Zick, Robert N. Mayer, Jeffery R. Botkin
• Household Credit and Debt Portfolios: Variation by Definition - Carole G. Bozworth, Sandra J. Huston 
• Credit and Debt Portfolio by Household Type - Sandra Huston, Y. Regina Chang 
• Credit and Debt Portfolios of the Young and Old - Deanna L. Sharpe
• From Research to Program Development - Carole G. Bozworth 
• Mentor's Advice: How to Get Hired, Tenured, and Promoted - Jing J. Xiao, Gong Soog Hong, Geradien I. Olson, Jane McCullough, Jean Kinsey, W. Keith Bryant, Edward J. Metzen 
• (Almost) Everything You Wanted to Know About the New Consumer Leasing Rules - Jeanne M. Hogarth 

Graduate Student Papers 

• Characteristics of Consumers Who Seek Third Party Redress - Ronald H. Tipper 
• An Investigation of Four Investor Risk Preference Rules-of-Thumb - John E. Grable
• Factors Affecting Household Financial Expectations: A Multinomial Logit Analysis - Satomi Wakita
• Adequate Emergency Fund Holdings and Family Type - Sandra Huston
• Are the Floors Less "Sticky" at Home? Pay Equity in Home-Based Work - Patricia D. Olson 
• How Do We Value Fat? The Case of Ground Beef - Michael S. Finke 

Ph.D. Dissertation Award Winning Paper 

• Human Capital Enhancing-Expenditures: A Comparison of Female-Headed and Married-Couple Households - Yoon G. Jang