housing is beginning to have a major impact on young people's spending patterns and longer-term financial planning in relation to gender. A far higher proportion of men remain in their parental homes for longer than women. These men might have higher disposable incomes for a period of time however, in broad terms, they lack the determination that many women have to set up independently and acquire their own assets at a young age.

Key markets reviewed on www.marketsensus.com show the following key trends: a more cautious pattern of consumer spending in the

Key Note's fourth Market Assessment report on Men & Women's Buying Habits shows fundamental shifts in the traditional balance of economic power between men and women. The impacts of both prolonged prosperity and the rise in the number of women entering the workplace have brought male dominance of big ticket consumer spending to a new tipping point. Similarly, the growth in Internet retailing has brought a reversal in the previous male dominance of this distribution chain. Key Note research indicates that women are now the leading Internet shoppers, in terms of both volume and value. Elsewhere in the economy, new developments i retailing and marketing are challenging those stereotypes that had influenced strategic thinking in retail.

The UK economy underwent a short, sharp shock in 2004, after interest rates rose. Consumers were forced to rethink outstanding credit arrangements and to rein in their spending. Consequently, consumer expenditure slowed in the latter half of 2004 and beginning of 2005 and the levels of savings began to rise again. Key Note research indicates that this shift in attitude was particularly significant among men who tend to carry higher levels of debt and to have more concerns about repayments. The underlying strength of the UK economy remains undisputed, as other key indicators of low unemployment and inflation do not fundamentally challenge the pattern of rising consumer expenditure set in the 1990s. Leisure and holiday markets continue to benefit from the rise in prosperity.

Other key demographic data are also of primary importance in considering gender differences in buying habits. This report highlights the rapid rise in employment among women. A far greater proportion of women are employed in less well-paid sectors, but women are making inroads in the higher echelons of business and as entrepreneurs. Of greater long-term significance is the gradual rise in women's wealth. Disparity remains as far as rates of pay for men and women are concerned, but Key Note has identified trends and report findings that support the view that women are gaining a far greater share of the UK's personal assets as a result of a wide range of factors most notably, early financial independence. The high cost of housing is beginning to have a major impact on young people's spending patterns and longer-term financial planning in relation to gender. A far higher proportion of men remain in their parental homes for longer than women. These men might have higher disposable incomes for a period of time however, in broad terms, they lack the determination that many women have to set up independently and acquire their own assets at a young age.

Key markets reviewed on www.marketsensus.com show the following key trends: a more cautious pattern of consumer spending in the

both volume and value. Elsewhere in the economy, new developments i retailing and marketing are challenging those stereotypes that had influenced strategic thinking in retail.

The UK economy underwent a short, sharp shock in 2004, after interest rates rose. Consumers were forced to rethink outstanding credit arrangements and to rein in their spending. Consequently, consumer expenditure slowed in the latter half of 2004 and beginning of 2005 and the levels of savings began to rise again. Key Note research indicates that this shift in attitude was particularly significant among men who tend to carry higher levels of debt and to have more concerns about repayments. The underlying strength of the UK economy remains undisputed, as other key indicators of low unemployment and inflation do not fundamentally challenge the pattern of rising consumer expenditure set in the 1990s. Leisure and holiday markets continue to benefit from the rise in prosperity.

Other key demographic data are also of primary importance in considering gender differences in buying habits. This report highlights the rapid rise in employment among women. A far greater proportion of women are employed in less well-paid sectors, but women are making inroads in the higher echelons of business and as entrepreneurs. Of greater long-term significance is the gradual rise in women's wealth. Disparity remains as far as rates of pay for men and women are concerned, but Key Note has identified trends and report findings that support the view that women are gaining a far greater share of the UK's personal assets as a result of a wide range of factors most notably, early financial independence. The high cost of housing is beginning to have a major impact on young people's spending patterns and longer-term financial planning in relation to gender. A far higher proportion of men remain in their parental homes for longer than women. These men might have higher disposable incomes for a period of time however, in broad terms, they lack the determination that many women have to set up independently and acquire their own assets at a young age.

Key markets reviewed on www.marketsensus.com show the following key trends: a more cautious pattern of consumer spending in the

rly significant among men who tend to carry higher levels of debt and to have more concerns about repayments. The underlying strength of the UK economy remains undisputed, as other key indicators of low unemployment and inflation do not fundamentally challenge the pattern of rising consumer expenditure set in the 1990s. Leisure and holiday markets continue to benefit from the rise in prosperity.

Other key demographic data are also of primary importance in considering gender differences in buying habits. This report highlights the rapid rise in employment among women. A far greater proportion of women are employed in less well-paid sectors, but women are making inroads in the higher echelons of business and as entrepreneurs. Of greater long-term significance is the gradual rise in women's wealth. Disparity remains as far as rates of pay for men and women are concerned, but Key Note has identified trends and report findings that support the view that women are gaining a far greater share of the UK's personal assets as a result of a wide range of factors most notably, early financial independence. The high cost of housing is beginning to have a major impact on young people's spending patterns and longer-term financial planning in relation to gender. A far higher proportion of men remain in their parental homes for longer than women. These men might have higher disposable incomes for a period of time however, in broad terms, they lack the determination that many women have to set up independently and acquire their own assets at a young age.

Key markets reviewed on www.marketsensus.com show the following key trends: a more cautious pattern of consumer spending in the

mong women. A far greater proportion of women are employed in less well-paid sectors, but women are making inroads in the higher echelons of business and as entrepreneurs. Of greater long-term significance is the gradual rise in women's wealth. Disparity remains as far as rates of pay for men and women are concerned, but Key Note has identified trends and report findings that support the view that women are gaining a far greater share of the UK's personal assets as a result of a wide range of factors most notably, early financial independence. The high cost of housing is beginning to have a major impact on young people's spending patterns and longer-term financial planning in relation to gender. A far higher proportion of men remain in their parental homes for longer than women. These men might have higher disposable incomes for a period of time however, in broad terms, they lack the determination that many women have to set up independently and acquire their own assets at a young age.

Key markets reviewed on www.marketsensus.com show the following key trends: a more cautious pattern of consumer spending in the

housing is beginning to have a major impact on young people's spending patterns and longer-term financial planning in relation to gender. A far higher proportion of men remain in their parental homes for longer than women. These men might have higher disposable incomes for a period of time however, in broad terms, they lack the determination that many women have to set up independently and acquire their own assets at a young age.

Key markets reviewed on www.marketsensus.com show the following key trends: a more cautious pattern of consumer spending in the light of the recent corrections in interest rates and the housing market, and a consequent reluctance to spend on big-ticket items; and major alterations in patterns of distribution, e.g. the growing dominance of the supermarket retailers and increasing parity in patterns of demand between the sexes, which is paralleled by the rise of Internet retailing.

The car market, in common with many other markets, has entered a competitive period in which, although volume sales have increased, market values are declining as a result of high capacity, high levels of imports and market saturation. Women are still far more likely than men to live in households with no car, although the pattern is far more equal among younger men and women. Women's increased earning power and rising economic wealth therefore make them of growing importance in expanding car manufacturers' threatened sales targets.

The UK brown goods market shows a similar pattern of slow growth in 2005. Key sectors, such as flat-screen televisions and camcorders, are driving market sales. Competition in the market as a whole is ensuring radical changes in distribution. A high number of retail outlets are closing as a result of competition from supermarkets and the growing success of Internet retailing. Key Note research shows little variation in levels of brown goods ownership between the sexes, but one of the key factors in the success of supermarkets' strategy of selling more electrical goods is the high number of women attracted to their simplicity and value-for-money approach, which contrasts with the fact that specialist retailers are often preferred by men.

The holiday market has been one of the greatest beneficiaries of new spending power. Despite the setbacks of natural disasters and terrorist attacks of recent years, the sector remains strong; expenditure and market volumes are expected to have risen over 2005. One of the biggest transformations in the market has been the impact of Internet sales, which are reported by some providers to account for up to a half of all bookings. The impact of the Internet, low-cost flights and the rise in independent travel are creating a revolution in the way in which consumers both perceive and purchase services. Key