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of these include Visa and Mastercard. Such cards, in use in the USA since 1950 and in the UK since 1966, have contributed to the large increase in consumer debt. As the banks financing these cards advance the amount due to retailers and collect from the cardholders later, they bring about a short-term increase in the money supply. Like the development of other modem financial arrangements, credit cards have made it more difficult for central banks to control the money supply.<br /><em>See also:</em> affinity card; charge card; debit card; smart card
differentiated marketing (M3)<br />A marketing strategy with separate marketing programmes for each product of a firm.
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buffer stock (E4, F3)<br />1 An accumulation of a commodity for the purpose of stabilizing its world price. The stock built up provides a means of intervention, particularly in the markets for metals, oil and agricultural produce. Buffer stock managers buy in the commodity in times of falling prices and sell when prices are rising. But there are limits to the efficacy of buffer stocks - for example, the major price fall of tin in 1985 was so cataclysmic that the managers were unable to prevent it. Governments have financed many of these stocks to maintain the incomes and employment of primary producers.<br /> 2 A cash balance which can absorb unexpected variations in expenditure and mcome.<br /> <br /><em>Reference</em><br />Laidler, D. (1984) 'The buffer stock notion in monetary economics', Economic Journal (Supplement) 94: 17-34.
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macroeconomic demand schedule (EO) The schedule showing different combinations of the price level and real income to
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