xvii Section 17-3 Using Credit 463 Types of Credit 463 Th e Pros and Cons of Using Credit 465 Applying for Credit 466 Why Credit Costs 469 Shopping for Credit 469 Credit Contracts 470 Handling Credit Problems 471 Section 17-4 Meeting Insurance Needs 473 Insurance Basics 474 Life Insurance 474 Health Insurance 476 Automobile Insurance 478 Housing-Related Insurance 480 Chapter 18 Chapter 18 Consumer Decisions 484 Section 18-1 Making Shopping Decisions 485 Deciding Where to Shop 485 Deciding When to Buy 489 Deciding What to Buy 490 Section 18-2 The Impact of Technology on Consumers 493 Technology Options Available 493 Managing Technology 495 Section 18-3 The Role of Advertising 498 How Advertising Affects Consumer Spending 498 Evaluating Advertisements 500 Consumer Protection Against Deceptive Advertising 502 Section 18-4 Consumers and the Law 503 Consumer Protection Laws 503 Protecting Your Privacy 504 Consumer Rights and Responsibilities 506 Unit Seven Unit Seven Fashion and Apparel Chapter 19 Chapter 19 Choosing and Caring for Your Clothes 518 Section 19-1 Clothing Needs 519 Factors Th at Infl uence Clothing Decisions 519 Choosing Clothes for Specifi c Occasions 522 Section 19-2 Clothing Design Basics 523 Color 524 Th e Other Design Elements 526 Consider the Principles of Design 527 Strive for Harmony 528 Section 19-3 Shopping for Clothes 529 Planning Your Wardrobe 529 Taking an Inventory 530 Extending Your Wardrobe 530 Shopping Guidelines 530 Understanding Fashion Terms 532 Being Aware of Fashion Cycles 532 Judging Quality 532 Reading Labels and Hangtags 533