<?xml version="1.0" encoding="UTF-8"?><marc:collection xmlns:marc="http://www.loc.gov/MARC21/slim">
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    <marc:leader>00000nam  2200000za 4500</marc:leader>
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    <marc:controlfield tag="003">CaOODSP</marc:controlfield>
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    <marc:controlfield tag="007">cr |||||||||||</marc:controlfield>
    <marc:controlfield tag="008">170926s2012    onc    #o    f000 0 eng d</marc:controlfield>
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      <marc:subfield code="a">Household spending and debt </marc:subfield>
      <marc:subfield code="h">[electronic resource].</marc:subfield>
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      <marc:subfield code="a">[Ottawa] : </marc:subfield>
      <marc:subfield code="b">Bank of Canada, </marc:subfield>
      <marc:subfield code="c">c2012.</marc:subfield>
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      <marc:subfield code="a">[4] p.</marc:subfield>
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      <marc:subfield code="a">Backgrounders</marc:subfield>
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      <marc:subfield code="a">"December 2012."</marc:subfield>
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      <marc:subfield code="a">Title from caption.</marc:subfield>
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      <marc:subfield code="a">Issued also in French under title: Les dépenses et la dette des ménages.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="520" ind1=" " ind2=" ">
      <marc:subfield code="a">"Household spending accounts for close to 65 per cent of total spending in Canada and is, therefore, a very important driver of the economy. Households purchase a variety of goods (e.g., food, clothing, houses, cars) and services (e.g., insurance, entertainment). They pay for these goods and services using earnings from employment, savings and income from investments, and borrowed funds, particularly for purchases of big-ticket items such as houses and cars"--p. [1].</marc:subfield>
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      <marc:subfield code="2">gccst</marc:subfield>
      <marc:subfield code="a">Household income</marc:subfield>
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      <marc:subfield code="2">gccst</marc:subfield>
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      <marc:subfield code="t">Les dépenses et la dette des ménages </marc:subfield>
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    </marc:datafield>
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      <marc:subfield code="a">Backgrounders (Bank of Canada)</marc:subfield>
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      <marc:subfield code="q">PDF</marc:subfield>
      <marc:subfield code="s">657 KB</marc:subfield>
      <marc:subfield code="u">https://publications.gc.ca/collections/collection_2017/banque-bank-canada/FB12-7-14-2012-eng.pdf</marc:subfield>
    </marc:datafield>
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