In consumer - driven industries, innovation, product differentiation, and creativity are crucial to lasting success.
And in technology, when there are no conventional practices or ways of thinking to begin with, companies that fail to break away from last years paradigm are soon left behind by the competition.
Whether an individual saves too little or borrows too much depends on the purpose and extent of either activity.
The evidence suggests that, on balance, people today tend to concern themselves with only practical matters that are related to their life.
Traditionally, saving is viewed as a virtue, while borrowing is considered as a vice.
However, just the opposite may be true under certain circumstances.
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