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BESPOKE Market Intelligence Consumer Pulse Dashboard

Consumer Sentiment

Consumer Confidence

Spending Categories

Employment

Income / Job Security

Personal Finances

Stock Market View

Investor Sentiment

Gas Prices

Financials

Credit Card Payments

Renting / Mortgage

Recent Home Purchases

Future Home Purchases

Real Estate Sites / Apps

Home Improvement

Recent Auto Purchases

Expected Auto Purchases

Health Insurance Costs

Healthcare Utilization

Healthcare

Autos

Housing

Healthcare Procedures

Mortgage Delinquencies

Accounts, Traffic, Purchases, ASPs: Past Month

Smartphone Retention Rates (AAPL; Android)

Streaming Services (NFLX; P; AMZN)

Social Media (FB; TWTR; LNKD)

E-Commerce (AMZN; EBAY; GRPN; ZU; OSTK)

Drug Stores (WAG; RAD; CVS)

Home Improvement Retail (LOW; HD; SHLD)

Department Stores (M; SKS; JWN; DDS; JCP; KSS)

Restaurants (MCD; YUM; CMG; WEN; DNKN; PNRA; SBUX)

Dollar Stores / Big Box (FDO; DG; DLTR; FIVE; WMT; TGT)

Airlines (DAL; AAL; UAL; JBLU; LUV)

Online Travel (PCLN; OWW; EXPE; TZOO)

Consumer Electronics (AAPL; GOOG; AMZN; MSFT; NOK)

New Apple Products (AAPL)

Theme Parks (DIS; SIX; MCAI; SEAS; FUN)

Smartphone Ownership (AAPL; BBRY; AMZN; MSFT)

Sector Specific (Click Buttons to View)

Stock Specific (Click Buttons to View)

Summary Pages (Click Buttons to View)

Consumer Macro (Click Buttons to View)

Summary Data Map

Sentiment

Labor Market

Consumer Finances

Housing

Retail Traffic / Activity

Overall

Key Takeaways

Consumer Heat Map

Stock Recommendations

Investors

Interest Rates and Risk

Return to DashboardBESPOKE Market Intelligence

Key Takeaways – Data MapSeptember Readings

At right is our Data Map that summarizes all of the indicators that we’reable to pull from our monthly survey. The most recent reading is shownunder “Current”, and we highlight whether it got better or worse versusthe prior month and this month the prior year.

Overall consumer data was weaker this month, led lower by Housing (anarea that had been a key driver of sentiment) and Activity, where almostevery single category registered MoM declines. Overall confidence wasstronger, as gas prices eased, and labor market indicators were basicallyrobust as hours worked, unemployment, and jobless claims all fellsequentially. For both categories, though, September 2015 is looking lessconstructive that September 2014.

That said, there are some positives. While Sentiment and Labor are weakversus 2015, Housing and Activity are much stronger. We also note thatwhile the stock market crash had major impacts on investors (bears andbulls have totally flipped versus last year and market pessimism hassurged), there don’t appear to be other direct impacts. FinancialConditions versus the average person improved, Confidence in financeswas nearly unchanged, and macro job concerns didn’t move upsignificantly. Overall, our Pulse data confirms what we’ve seen from otherindices: stock market declines are only having a specific impact, not ageneral one.

SEPTEMBER 2015

Current

Current Conditions

vs. Aug 2015 (M/M) Last Month

Current Conditions

vs. Sep 2014 (Y/Y) Last Year

Sentiment

Consumer Confidence (Economy) 2.75 Better 2.68 Better 2.70

Consumer Confidence (Finances) 2.88 Worse 2.89 Worse 2.95

Discretionary Spending 2.70 Worse 2.71 Worse 2.78

Living Paycheck to Paycheck 48.9 (%) Better 49 (%) Worse 42.6 (%)

Financial Condition vs. Average Person 3.06 Better 3.03 Worse 3.13

Labor

Weekly Hours Worked (Across Industries) 38.0 Better 37.6 Worse 38.5

Unemployed and Looking for Work 8 (%) Better 9.3 (%) Worse 6.6 (%)

US Unemployment Outlook 3.03 Same 3.03 Same 3.03

Filed for Unemployment Assistance 5.3 (%) Better 5.9 (%) Worse 3.7 (%)

Concerns About Job Security 3.62 Worse 3.61 Worse 3.58

Finances

Consumer Debt 2.63 Worse 2.60 Worse 2.57

Credit Card Delinquencies 12.0 Better 13.2 Worse 8.0

Personal Income 3.32 Worse 3.40 Better 3.27

Housing

Building Permits 2.7 (%) ↑ 2.4 (%) ↑ 1.9 (%)

Recent Purchases (past three months) 2.4 (%) ↓ 3.8 (%) ↓ 3 (%)

Planned Purchases (in next year) 7.2 (%) ↓ 7.7 (%) ↑ 5 (%)

Mortgage Delinquencies (2+ months) 7.6 (%) ↓ 6.9 (%) ↑ 6.1 (%)

Refinanced Mortgage in Past Year 7.8 (%) ↓ 8.4 (%) ↑ 5.7 (%)

Activity

Retail Traffic (Visits Per Respondent)

Drug Stores 0.92 ↓ 0.99 ↓ 1.02

Big Box / Dollar 1.77 ↓ 1.81 ↓ 1.85

Home Improvement 1.25 ↓ 1.30 ↓ 1.31

Department Stores 0.83 ↓ 0.90 ↑ 0.88

Purchase Activity (Purchases Per Respondent)

E-Commerce 1.41 - 1.41 ↑ 1.40

Consumer Electronics 0.60 ↓ 0.62 ↑ 0.46

Airlines 0.28 ↓ 0.29 ↑ 0.27

Restaurants 2.26 ↓ 2.37 ↓ 2.46

Healthcare

Hospital Utilization (past month) 8.1 (%) ↓ 8.3 (%) ↑ 7.8 (%)

Physician Utilization (past month) 22.3 (%) ↓ 24.5 (%) ↓ 23.1 (%)

Insured 87.7 (%) ↓ 89.3 (%) ↓ 89.5 (%)

Autos

Purchases (past three months) 6 (%) ↓ 6.7 (%) ↑ 5.7 (%)

Expected Purchases (next six months) 9.9 (%) ↓ 10.4 (%) ↑ 7.2 (%)

Investors

Risk Tolerance 2.84 ↓ 2.92 ↑ 2.87

View of Stock Market 2.78 ↓ 3.04 ↓ 3.16

Bullish Sentiment 16 (%) ↓ 24.6 (%) ↓ 32.2 (%)

Bearish Sentiment 35.5 (%) ↓ 20.1 (%) ↑ 16.6 (%)

Bespoke Consumer Pulse Data Map

BESPOKE Market Intelligence

Key Takeaways – Heat MapConsumer Pulse surveys 1,500 to 2,000 Americans, with geographic distributions in-linewith the US Census. The survey always takes place during the week containing the 12th ofthe month and poses 100 questions that we group in to six sections: Sentiment, LaborMarkets, Personal Finances, Housing, Activity, and Investors. By breaking down ConsumerPulse into these sections, we are able to show not only top-down sentiment trends andtheir drivers, but individual areas of strength or weakness with respect to demand,budget, and trends.

The next eight pages break down key trends we saw for each of these areas, includingactionable single-stock or ETF trade ideas that are supported by the data from the survey.Our single-stock takeaways are provided on page 4, and a summary of each category atright is provided on pages 6-10. Following our category summaries, we delve intodetailed analysis of individual questions, broken up by section. The Heat Map at rightshows the high-level assessment of this month’s report, but it’s important to note thatour findings are difficult to summarize with one “net” reading. This month saw twolagging areas (Sentiment and Labor) improve sharply, while two of the former leaders(Housing and Activity) take a pause, at least for the month of September.

Changes in Heat Map Versus Last Month

- Labor Market: Lower unemployment, more hours.

- Housing: Declines in most indicators MoM, but still much improved versus 2014.

- Consumer Sentiment: Lower gas prices mean higher sentiment, regardless of stocks.

- Consumer Activity: Broad-based declines in activity in every sector we track.

- Personal Finances: Mixed this month, with some delinquency improvements.

- Investor Sentiment: Huge shifts as stock crashes kneecap bullish sentiment.

SEPTEMBER 2015

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Bespoke Consumer Heat Map

Outer Band: Year-

Over-Year Change

Inner Band: Month-Over-Month Change

Better Same Worse

Positive Neutral Negative

Inner Band

Outer Band


Key Takeaways – Stock PicksThe stocks below are names that have positive and negative catalysts based on the data we gathered fromconsumers.

LHCG (LHC Group Inc) – Healthcare prices have stabilized per our respondents’ perceptions, and that isaccretive to healthcare services companies. With a growing share of the population receiving Medicare, wealso like LHCG as its primary customers are Medicare recipients. (Page 26)

AMZN (Amazon Inc) – Amazon continues to grow its nascent streaming service and is also proving extremelysuccessful growing purchase volumes over the past few months, especially amongst lower incomeconsumers. (Pages 33 and 36)

MCD (McDonald’s Corp) – McDonald’s has been able to keep foot traffic trending sideways for severalmonths, and we think that the traffic trends are going to start benefiting shares more materially. (Page 44)

JWN (Nordstrom Inc) – Nordstrom is extremely challenged in an environment where shopping is shiftingonline and high income consumers (who are by far JWN’s most important customers) are trying to get ahandle on big equity market declines. (Page 42)

PNRA (Panera Bread Company) – Panera’s share of foot traffic has been on a persistent downtrend for ayear, despite a ramp up in the stock’s price. It’s quite vulnerable here, in our view, and is worth paring backexposure having made a large and persistent move since lows in the middle of 2014. (Page 44)

SEPTEMBER 2015

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LHC Group Inc (LHCG): Last Six Months

Amazon Inc (AMZN): Last Six Months

McDonald's Corp (MCD): Last Six Months

25

30

35

40

45

50

55

350

400

450

500

550

600

85

87

89

91

93

95

97

99

101

103

Nordstrom Inc (JWN): Last Six Months

65

67

69

71

73

75

77

79

81

83

Panera Bread Company (PNRA): Last Six Months

150

160

170

180

190

200

210


Key Takeaways: Sentiment

Gas prices continued to decline with the typical consumer registering a decline in recent pricetrends. While not as significant as the observed impact in late 2014 and early 2015, we’ve seena sharp trend towards cheaper gas for the average American. How much lower gas prices cango from here remains unclear as oil has stopped falling and moved largely sideways for the pastmonth. That said, we think the impact is completely unambiguous and it does suggest thatmore optimism from consumers this month may be somewhat unsustainable.

Between our last reference period and the current one, stocks declined over 10% and enteredtheir first real correction since 2011. What’s more, the declines were extremely sharp anddidn’t have clear catalysts given economic developments and international headlines during thedrop. While market participants are of course aware of some key drivers (positioning and Chinaforemost amongst them, in our view), there was no large narrative of slower economic activity.The fact that the internals of our sentiment index (shown on a net basis with components atright) are quite positive also suggests that the stock market drama had little impact on thetypical person in this country. Sharp declines in negative sentiment and a gradual rise inpositives are indicators that the gas price declines impacting all are more important thanretirement account declines felt by some.

Key Takeaways

- Gas price changes are a tailwind for confidence going forward.

- Uniform improvement in consumer sentiment is entirely the gas price effect.

SEPTEMBER 2015

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1.661.48

2.19

2.712.92

3.49 3.51

3.10 2.97

2.15

Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Noticed Change In Gas Prices (Tracker)

Much Lower

Lower

Same

Higher

Much Higher

20.8

38.9

-18.0

-30

-20

-10

0

10

0

10

20

30

40

50

Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Confidence in the Economy (%)

Positive or Very Positive (Left Axis)Negative or Very Negative (Left Axis)Net (Right Axis)


Key Takeaways: Labor Market

For most of our survey’s history, the chart at right hasn’t trended very much, with jumpsand falls every few months. It shows the percentage of not employed workers who filedfor unemployment assistance in the past month; a proxy for new joblessness or firings.Over the last three months, the indicator has moved lower each month. We view this asa constructive sign for labor demand, with businesses consistently less inclined to reduceheadcount.

Another strong sign for labor demand is the hours worked average, which gained backsome of its recent declines. With new firings falling and hours rising month-over-month,it’s hard to view the labor market as soft despite weak total employment figures asshown on page 14. The share of respondents who are retired also hit a multi-month high,explaining part of the recent drop in total employment reported by our respondents.

Key Takeaways

- Third straight monthly decline in new unemployed, the best streak in our survey’s history.

- Uptick in hours worked points to steady labor demand.

SEPTEMBER 2015

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4.8

5.8

3.7

4.1

5.4

6.7

3.9

6.0

6.9

4.2

5.1

6.96.1 5.9

5.3

0

2

4

6

8


Not Employed: Filed For Unemployment Assistance In Past Month (%)

37.3

38.4

38.5

39.7

38.738.4

37.938.2

37.9

38.338.5

37.7

37.737.6

38.0

36

38

40


Hours Worked: Average

11.912.0

15.4

14.214.1

11.7

13.7

12.512.0

13.1

12.4

13.213.0

11.6

13.8

10

11

12

13

14

15

16

Share of Respondents That Are Retired


Key Takeaways: Finances

While expected spending based on our tracker charted at right isn’t exactly crashing, it’sreached its lowest levels we have recorded. At this time last year, our tracker was 0.08points higher. To reiterate what we’ve shared previously, we don’t consider the level ofthe tracker to be particularly important, but where it sits in relation to previous instancesis. By that analysis, our data suggests the consumer is looking to spend less than at anypoint in the previous 14 months. We caution that previous declines in consumerspending intentions haven’t necessarily resulted in large declines in activity, but we dosee the current spending intentions drop as quite worrying.

While consumer spending intentions are low this month, realized activity has beenaccelerating notably, with headphones, smartphones, laptops, gaming consoles, and TVsall trending higher over the past year. So while consumers continue to feel lesscomfortable about their finances (despite pay increases) and are expecting to tightentheir belts, some measures of spending look quite robust. This is an interesting puzzle,but does suggest what spending we do see is extremely sustainable as it is coming purelyfrom wage gains and not from dissavings via higher debt or lower absolute savings rates.

Key Takeaways

- Expected spending tracker hits lowest level we have recorded.

- Reported actual spending is much, much higher than expected spending.

SEPTEMBER 2015

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Expected Spending On Discretionary Items, Next Few Months (Tracker)

5 - Much More

4 - More

3 - Same

2 - Less

1 - Much Less

2.1

3.13.7

5.45.8

6.9

12.7

13.4

0

2

4

6

8

10

12

14

16


Purchased During Past Month (%)

Stereo System

Desktop Computer

Printer

Gaming Console

Tablet

Laptop Computer

TV

Headphones

Smartphone


Key Takeaways: Housing

Recent home purchases reached their lowest levels in almost a year during September,falling to 4.6% of respondents. Purchases within the last three months, which broadlytrack purchases within the last year, fell sharply from their highest levels in our survey’shistory to the lowest levels since March. Neither bodes well for the trajectory of homepurchases in the near-term, and indicates that the slowdown in existing and pendinghome sales we have seen in official stats recently is likely to persist a few more monthsdespite robust new home sales, permitted housing starts, and actual housing starts.

Less interest in home improvement also appears to be hitting home improvementretailers. As shown on page 23, home improvement interest is waning, and with it is foottraffic at major home improvement retailers from recent project-doers. As shown, everymajor retailer’s rolling three month visit percentage fell MoM, with the largest declineshitting general retailers like Walmart and Target.

Key Takeaways

- Home Purchase activity is slowing, with recent purchases falling especially fast.

- Visits to home improvement retailers look to be slowing thanks to less home improvement activity.

SEPTEMBER 2015

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2.4

4.6

0

1

2

3

4

5

6

7

8

9


Home Purchase Tracker (%)

Within the past three months

Within the past year

28.130.1

21.7 21.7

26.0

0

5

10

15

20

25

30

35

Home Depot Lowe's Walmart Target Sears

Has Done a Home Improvement Project During Past Month - Visited Retailer During Past Month (3 Month

Rolling Percentages)

Sept Oct Nov Dec Feb Mar Apr July Aug Sep


Key Takeaways: Activity

Activity at department stores hit its lowest levels in October last year; we may see similaractivity this year as part of a broad downtrend in visits to physical locations. At right weshow that more than half of consumers have not visited a department store in the lastmonth. For individual stores, visits have trended lower consistently. We shouldabsolutely expect a trend up for the holiday season but given the secular pressure onretail foot traffic we would be somewhat surprised if it surpassed last holiday season’slevels.

At right we show the percentage of respondents who have visited traditional retailoutlets (segmented into broad retailers and department stores) versus the percentagethat have purchased a product online in the past month. As shown, a growingpercentage of retail is shifting online, and that’s having impacts on foot traffic and salesfor traditional retailers while only having a mixed impact on the total value of goodsconsumers purchase.

Key Takeaways

- Visits to department stores continue to trend lower, partially due to seasonality.

- Online purchase activity is steadily increasing, stealing share from traditional retailers.

SEPTEMBER 2015

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2.15.6

8.1

18.922.323.5

52.4

0

10

20

30

40

50

60


Have Visited in the Past Month (%)

Bloomingdales

Sak's FifthAvenueDillard's

Nordstrom

JC Penney

Macy's

Kohl's

None of theabove

73.0

47.6

82.9

30

35

40

45

50

55

60

65

60

65

70

75

80

85

90


Consumer Spending Habits: Online Purchases vs Store Visits, % of All Respondents

Purchased Item Online (Left Axis)

Visited Big Box/Dollar Store (Right Axis)

Visited Department Store (Left Axis)


Key Takeaways: Investors

Our tracker for views of the stock market fell off a cliff, dropping 0.26 points, the biggestdrop MoM in our history. Investors are now net negative for the second time since oursurvey began. This is largely to be expected given three straight quarterly declines for USequities, including the August rollover. For the most part, these are a lagging orcoincident indicator but we can say that our data do not suggest investors are dealingwith the decline in stocks as a minor hiccup.

Interestingly, while stocks are declining, more interest is flowing towards the market. In acertain sense, we would view elevated interest in the market as contrarian; both duringincreases and declines in prices. The theory would be that the marginal investor is drawnin to market chatter at just the wrong time, with smart money moving the opposite wayahead of prices. Regardless of the validity of this theory, we do think the highest readingin our series coming during the steepest declines in asset prices are a general indicator ofthe “car crash” effect; you know you should turn away, but the brutality keeps youwatching.

Key Takeaways

- Investor views of the stock market most negative on record.

- “Car crash” effect as interest in the stock market rises.

SEPTEMBER 2015

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Jul

Aug Sep

Oct

Nov

De

c

Jan

Feb

Ma

r

Ap

r

Ma

y

Jun

Jul

Aug Sep

Current View of the Stock Market (Tracker)

5 - Very Positive

4 - Postitive

3 - Neutral

2 - Negative

1 - Very Negative

35.8

42.0

38.6

40.5

37.6

42.0

39.2

39.6

38.8

40.742.0

38.9

40.6

44.1

45.1

30

32

34

36

38

40

42

44

46


Follow Stock Market On A Regular Basis? (%)

Proprietary Research / bespokeintel.com 11


Consumer Confidence SEPTEMBER 2015

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20.8

38.9

-18.0

-30

-20

-10

0

10

0

10

20

30

40

50


Confidence in the Economy (%)

Positive or Very Positive (Left Axis)Negative or Very Negative (Left Axis)Net (Right Axis)

44.1 44.5

42.6

42.0

44.1

43.0

44.7

43.2

45.8

43.4

46.6

46.8

49.4 49.048.9

38

40

42

44

46

48

50


"Living Paycheck to Paycheck": Agrees or Strongly Agrees (%)

7.5

35.7 36.9

18.0

1.1 0.9

8.7

34.336.9

17.7

1.8 0.7

6.6

32.2

39.5

18.2

2.60.9

0

5

10

15

20

25

30

35

40

45

Very Negative Negative Neutral Positive Very Positive N/A

Confidence In The Economy (%)

Jul

Aug

Sep

11.3

19.517.4

25.9

23.0

2.9

0

5

10

15

20

25

30

StronglyDisagree

Disagree Neither AgreeNor Disagree

Agree Strongly Agree N/A

"I consider myself living paycheck to paycheck" (%)

Proprietary Research / bespokeintel.com 12


Gas Prices SEPTEMBER 2015

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17.2

56.1

13.0

7.9

1.14.7

0

10

20

30

40

50

60

Much lower Lower Same Higher Much Higher I don't know

Noticed Change In Gas Prices (%)

1.661.48

2.19

2.712.92

3.49 3.51

3.10 2.97

2.15

Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Noticed Change In Gas Prices (Tracker)

Much Lower

Lower

Same

Higher

Much Higher

Proprietary Research / bespokeintel.com


Discretionary Spending SEPTEMBER 2015

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11.4

23.1

50.4

14.0

1.10

10

20

30

40

50

60

Much Less Less Same More Much More

Expected Spending On Discretionary Items, Next Few Months (%)

Expected Spending On Discretionary Items, Next Few Months (Tracker)

5 - Much More

4 - More

3 - Same

2 - Less

1 - Much Less

Proprietary Research / bespokeintel.com15



Employment SEPTEMBER 2015

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4.8

5.8

3.7

4.1

5.4

6.7

3.9

6.0

6.9

4.2

5.1

6.96.1 5.9

5.3

0

2

4

6

8


Not Employed: Filed For Unemployment Assistance In Past Month (%)

Expectations For US Unemployment Level One Year From Now (Tracker)

5 - Much Better

4 - Better

3 - Same

2 - Worse

1 - Much Worse

50.7

14.5

8.0

7.3

13.8

5.7

0 20 40 60

Employed, working fulltime (LeftAxis)

Employed, working parttime (RightAxis)

Not employed, looking for work (RightAxis)

Not employed, NOT looking for work

Retired

Disabled, not able to work

Employment Status (%)

4.3

22.1

39.9

28.8

2.5 2.5

0

5

10

15

20

25

30

35

40

45

Much worse Worse Same Better Much better N/A

Expectations For US Unemployment Level One Year From Now (%)

50.7

14.5

8.0

0

5

10

15

20

50

52

54

56

58

60


Employment Status (%)Employed, working fulltime (Left Axis)

Employed, working parttime (Right Axis)

Not employed, looking for work (Right Axis)




Income and Job Security SEPTEMBER 2015

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37.3

38.4

38.5

39.7

38.738.4

37.938.2

37.9

38.338.5

37.7

37.737.6

38.0

36

38

40


Hours Worked: Average

4.7

10.5

39.2 39.6

6.0

0

5

10

15

20

25

30

35

40

45

Much less Less Same More Much more

Current Income vs. One Year Ago (%)

Current Income vs. One Year Ago (Tracker)

5 - Much More

4 - More

3 - Same

2 - Less

1 - Much Less

24.2

32.8

24.8

12.9

3.71.6

0

5

10

15

20

25

30

35

StronglyDisagree

Disagree NeitherAgree NorDisagree

Agree StronglyAgree

N/A

"I am concerned that I will lose my job" (%)

"I am concerned that I will lose my job" (Tracker)

5 - Strongly Disagree

4 - Disagree

3 - Neither

2 - Agree

1 - Strongly Agree




Personal Finances SEPTEMBER 2015

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8.6

41.5

53.4

40.5

4.7

0

10

20

30

40

50

60

Very Negative Negative NeitherNegative nor

Positive

Positive Very Positive

Current Feelings Towards Personal Finances (%)

Current Feelings Towards Personal Finances (Tracker)

5 - Very Positive

4 - Positive

3 - Neutral

2 - Negative

1 - Very Neg.

5.7

22.3

46.7

21.6

3.6

0

10

20

30

40

50

Much worse Worse Same Better Much better

Feelings Towards Personal Finances vs 1 Year Ago (%)

Feelings Towards Personal Finances vs 1 Year Ago (Tracker)

5 - Very Positive

4 - Positive

3 - Neutral

2 - Negative

1 - Very Neg.

4.9

23.7

37.6

28.4

5.4

0

5

10

15

20

25

30

35

40

Very Negative Negative NeitherNegative nor

Positive

Positive Very Positive

Financial Condition Compared to the Average Person (%)

Financial Condition Compared to the Average Person (Tracker)

5 - Much Better

4 - Better

3 - Same

2 - Worse

1 - Much Worse

5 - Much Better

4 - Better

3 - Same

2 - Worse

1 - Much Worse




Credit Card Payments SEPTEMBER 2015

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6.3

17.2

45.9

17.8

6.7 6.0

0

5

10

15

20

25

30

35

40

45

50

Much less Less Same More Much more N/A

Credit Card Debt vs. One Year Ago (%)

5.2

6.8

88.0

82

84

86

88

90

92

94

0

2

4

6

8

10


Date of Last Credit Card Payment: Consumers With Credit Cards (%)

1-3 months ago

4-6 months ago

Within the past month (Right Axis)

Balance Kept On Credit Cards (Tracker)

5 - $5k - $9k

4 - $2.5k - $5k

3 - $1k - $2.5k

2 - $1 - $1k

1 - $0

72.4

4.2

2.1

1.2

0.3

2.1

17.7

0 20 40 60 80

Within the past month

1-3 months ago

4-6 months ago

7-9 months ago

10-12 months ago

More than a year ago

I don't have any credit cards

Date of Last Credit Card Payment (%)

36.4

26.3

10.4

8.9

8.4

5.6

1.9

0.6

0.6

0.8

0 10 20 30 40

$0

$1-$999

$1,000-$2,499

$2,500-$4,999

$5,000-$9,999

$10,000-$19,999

$20,000-$29,999

$30,000-$39,999

$40,000-$49,999

$50,000+

Balance Kept On Credit Cards (%)

Credit Card Debt vs. One Year Ago (Tracker)

5 - Much More

4 - More

3 - Same

2 - Less

1 - Much Less




Renting / Mortgage SEPTEMBER 2015

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1.6

10.2

36.7

51.5

0 10 20 30 40 50 60

Other

Living with parents, children,relatives, etc.

Rent

Own

Living Situation (%)

Sep Aug Jul

0.7

4.3

32.7

62.3

0 20 40 60 80

Military / Other

Multi-Family House

Apartment / Condo / Townhouse

Single Family House

Type of Residence (%)

Sep Aug Jul

Monthly Rent (Tracker)

5 - $4k - $5k

4 - $2k - $3k

3 - $1k - $2k

2 - $500 - $1k

1 - Under $499

16.3

51.4

27.7

3.3

0.5

0.7

0.2

0 10 20 30 40 50 60

Under $499

$500-$999

$1,000-$1,999

$2,000-$2,999

$3,000-$3,999

$4,000-$4,999

$5,000+

Monthly Rent (%)

28.7

6.4

26.8

25.7

7.2

1.9

0.9

0 5 10 15 20 25 30 35

I do not have amortgage

Under $499

$500-$999

$1,000-$1,999

$2,000-$2,999

$5,000+

I don't know

Monthly Mortgage Payment (%)

Monthly Mortgage Payment (Tracker)

5 - $4k - $5k

4 - $2k - $3k

3 - $1k - $2k

2 - $500 - $1k

1 - Under $499

20Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com


Mortgage Delinquencies SEPTEMBER 2015

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7.6

5.8

0

2

4

6

8

10

12


Last Mortgage Payment Tracker (%)

2+ Months Ago

1 Month Ago5.8

6.8

5.7

4.2

6.3 6.5

4.2

6.05.3

6.8

7.5 7.5

5.9

8.4 7.8

0

1

2

3

4

5

6

7

8

9


Refinanced Mortgage Within the Past Year (%)

86.6

7.6

1.3

0.9

0.7

0.2

0.2

2.5

0 20 40 60 80 100


1 month ago

2 months ago

3 months ago

4 months ago

5 months ago

6 months ago

>6 months ago

Last Time Made A Mortgage Payment(%)

39.5

7.8

4.2

9.6

9.6

4.9

5.1

9.9

4.3

5.2

0 10 20 30 40

Never

Past Year

1 year ago

2 years ago

3 years ago

4 years ago

5 years ago

6 - 12 years ago

12 or more

Not Applicable

Last Time Refinanced Mortgage (%)



Recent Home Purchases SEPTEMBER 2015

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2.4

4.6

0

1

2

3

4

5

6

7

8

9


Home Purchase Tracker (%)



2.4

4.6

26.1

18.5

17.2

29.5

1.5

0 5 10 15 20 25 30 35

Within the pastthree months

Within the pastyear

1-5 years ago

6-10 years ago

11-15 years ago

16+ years ago

NA

Date of Home Purchase (%)

25.6 26.9

29.9

25.0

28.428.0

28.9

23.0

27.526.7

27.928.6

29.6

24.6

28.8

20

22

24

26

28

30

32


Home New Construction At Purchase (%)

2.3

2.6

1.8

2.52.2

2.8

2.3

1.9

1.5

3.33.1

2.7

2.1

2.9 2.3

0

1

1

2

2

3

3

4


Home Listed for Sale? (%)

5.95.7

5.0

6.4

7.3

5.9 5.8

6.5

7.97.7

8.1

6.9 7.0

7.7

7.2

4

5

5

6

6

7

7

8

8

9


Likely or Very Likely to Purchase a Home in the Next Year (%)



Future Home Purchases SEPTEMBER 2015

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1.4

2.11.9

1.6

3.02.7

1.7

1.3

2.1

3.03.3

2.3

2.5

2.4

2.7

0

1

1

2

2

3

3

4


All Respondents: Have You Applied For A Building Permit in the Past Month? (%)

56.1

24.9

11.9

4.1 3.1

0

10

20

30

40

50

60

Very Unlikely Unlikely SomewhatLikely

Likely Very Likely

Likelihood of Purchasing a House in the Next Year (%)



Real Estate Sites / Apps SEPTEMBER 2015

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1.84.66.1

15.7

32.7

39.1

0

10

20

30

40

50

60

Jul

Au

g

Sep

Oct

Nov

Dec Jan

Feb

Mar

Apr

May Jun

Jul

Au

g

Sep

Favorite Website/App for Searching for Real Estate(%)

Redfin

Other

Trulia

Realtor.com

Zillow

N/A

29.5

2.7

4.9

22.5

3.3

5.2

0

5

10

15

20

25

30

35

Sept Oct Nov Dec Jan Feb Mar Apr MayJune July Aug Sep

Real Estate App Use (Rolling Three Month Percentages): Likely or Very Likely To Purchase A

Home

Realtor.com

Redfin

Trulia

Zillow

Other

Not Applicable



Home Improvement SEPTEMBER 2015

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17.7

11.2

8.0

8.1

23.6

31.4

0 5 10 15 20 25 30 35

In the past month

In the past three months

In the past six months

In the past year


Never started project

Last Time Starting Home Improvement Project (%)

17.7

11.2

0

4

8

12

16

20


Last Time Starting A Home Improvement Project (%)

In the past month

In the past three months

73.5

26.5

20

22

24

26

28

30

32

34

62

64

66

68

70

72

74

76


Do-It-Yourself vs. Hiring Someone (%)

Do-it-yourself

Hired someone (Right Axis)

44.1

33.2

20

25

30

35

40

45

50

55

July Aug Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep

Plans to Start a Home Improvement Project in the Next Six Months (%)

Home Owners All Respondents



Recent Auto Purchases SEPTEMBER 2015

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6.0

11.5

10.1

13.1

12.3

6.2

7.7

16.7

5.4

11.1

0 5 10 15 20



1 year ago

2 years ago

3 years ago

4 years ago

5 years ago

6 - 12 years ago

12+ years ago

I do not own an automobile

When Did You Purchase Your Primary Automobile (%)

16.7

15.2

12.5

9.5

7.6

0

5

10

15

20


Manufacturer Purchased/Leased - Majors (%)Toyota/Lexus OtherGM (Chevrolet, Buick, Cadillac) Ford/LincolnHonda Chrysler/Jeep/DodgeNissan/Infiniti

4.9

3.0

2.3

1.51.10.8

0

2

4

6

8

10


Manufacturer Purchased/Leased - Minors (%)

Hyundai Subaru

BMW Volkswagen

Volvo Mercedes

Audi Tesla

5.2

5.6 5.75.5 5.6

5.4

4.1

4.9

5.7 5.65.3

5.8

6.6 6.7

6.0

3

4

5

6

7


Purchased or Leased Primary Automobile in Past Three Months (%)



Expected Auto Purchases SEPTEMBER 2015

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53.4

46.6

40

45

50

55

60


Purchased Car During Past Three Months: Used vs New (%)

Used

New

9.9

14.7

75.4

66

68

70

72

74

76

78

80

0

5

10

15

20


Plans to Purchase/Lease Vehicle in the Next Six Months (%)

Yes (Left Axis) Maybe (Left Axis) No (Right Axis)

49.9

32.6

17.5

0

10

20

30

40

50

60


Plans to Purchase/Lease Vehicle in the Next Six Months (%)Used

NewI don't know

2.3

5.7

8.0

9.5

9.8

10.6

11.0

11.4

15.2

15.2

22.3

24.6

31.1

31.8

37.1

37.9

0 10 20 30 40 50 60

Tesla

Volvo

Mercedes

Volkswagen

Other

BMW

Audi

Subaru

Hyundai

I don't know

Nissan/Infiniti

Chrysler/Jeep/Dodge

Honda

Ford/Lincoln

GM (Chevrolet, Buick,…

Toyota/Lexus

Which Type of Automobile Most Likely To Lease/Purchase Next 6 Months? (%)

Sep

Aug

Jul



Health Insurance Costs SEPTEMBER 2015

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3.27

3.33

3.41

3.20

3.25

3.30

3.35

3.40

3.45

3.50

3.55

Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Healthcare Costs vs Year Ago (%)

Overall Healthcare Costs CopayDeductible Premium

5 - Much Higher4 - Higher3 - Same

2 - Lower1 - Much Lower

3.0 4.2

45.8

33.1

7.96.1

0

5

10

15

20

25

30

35

40

45

50

Much lower Lower Same Higher Much higher N/A

Overall Healthcare Costs vs Year Ago (%)

2.0 3.3

55.7

22.5

7.3 9.2

0

10

20

30

40

50

60


Deductible vs Year Ago (%)

2.5 3.9

56.5

22.1

5.69.4

0

10

20

30

40

50

60


Copay vs Year Ago (%)

1.74.3

47.9

30.9

7.6 7.6

0

10

20

30

40

50

60


Premium vs Year Ago (%)

87.6

89.089.5

88.1

87.0

85.9

88.8

90.9

88.4

87.788.5 88.2

88.1

89.3

87.7

83

84

85

86

87

88

89

90

91

92


Do You Have Health Insurance? (%)

2.6

3.2

8.0

9.1

15.2

49.5

44

46

48

50

52

54

56

58

0

2

4

6

8

10

12

14

16


Type of Health Insurance (%)None of the above OtherMedicaid Self-Purchased / ExchangeMedicare Employer (Right Axis)



Healthcare Utilization SEPTEMBER 2015

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8.1

9.9

9.6

6.3

5.1

50.6

10.3

0 10 20 30 40 50 60


1-3 months ago

4-6 months ago

7-9 months ago

10-12 months ago


I have never visited a…

Last Hospital Visit (%)

8.1

9.9

4

5

6

7

8

9

10

11

12


Last Hospital Visit (%)

Within the past month 1-3 months ago

22.3

23.7

20

21

22

23

24

25

26


Last Doctor's Visit (%)

Within the past month 1-3 months ago

22.3

23.7

16.5

7.2

6.9

20.6

2.7

0 5 10 15 20 25


1-3 months ago

4-6 months ago

7-9 months ago

10-12 months ago


Not Applicable

Last Doctor's Visit (%)



Healthcare Procedures SEPTEMBER 2015

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22.1

26.2 26.124.4

26.424.7 24.8

27.2

24.8 25.627.5

24.7

0

5

10

15

20

25

30

Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Dental Visits (%)

0.6

1.41.1 1.1

0.9

1.21.1

1.4

0.7

1.41.2 1.3

3.9 3.9 3.8 3.6 3.53.3

4.4

3.5 3.53.2

4.2 4.2

0.5 0.3 0.2 0.3

0.7 0.6

0.2

0.7 0.7 0.70.4 0.3

0

1

2

3

4

5


Elective Surgery (%)Cosmetic or Plastic Surgery Orthopedic Visit or Surgery Lasik Surgery

73.0

68.268.9

70.6

68.5

70.269.6

67.2

70.3

69.1

66.7

69.4

63

64

65

66

67

68

69

70

71

72

73

74


None of the Above (%)

31.8

23.6

23.4

12.311.9

11.5

0

5

10

15

20

25

30

35

40


Purchased During Past Month - Majors (%)

Apple

Samsung

Other

Amazon

Sony

Microsoft



Consumer Electronics SEPTEMBER 2015

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11.3

5.35.34.5

2.72.1

0

2

4

6

8

10

12

14

16


Purchased During Past Month - Minors (%)

LG

Google

Nintendo

HTC

Panasonic

Nokia

Blackberry

2.1

3.13.7

5.45.8

6.9

12.7

13.4

0

2

4

6

8

10

12

14

16


Purchased During Past Month (%)

Stereo System

Desktop Computer

Printer

Gaming Console

Tablet

Laptop Computer

TV

Headphones

Smartphone

1.9

2.6

3.5

4.8

5.45.4

6.4

9.6

0

2

4

6

8

10

12


Plans to Purchase Next Month (%)

Stereo System

Desktop Computer

Printer

Headphones

Gaming Console

Tablet

Laptop Computer

TV

Smartphone



New Apple Products SEPTEMBER 2015

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42.7

21.2

0

10

20

30

40

50

Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep

Have Purchased or Ordered iPhone 6 or 6 Plus (%)

Existing iPhone Owners All

75.2

24.8

0

10

20

30

40

50

60

70

80

90


Owns iPhone 6 or 6 Plus: Which Model (%)

iPhone 6 iPhone 6 Plus

25.3

17.2

0

5

10

15

20

25

30

35


Made Effort to Learn About Apple Watch (%)

Existing iPhone Owners All

3.9

2.9 2.8

0

1

1

2

2

3

3

4

4

5

July Aug Sep

iPhone Owners: Has Purchased / Ordered An Apple Watch (%)

6.5

2.6 2.4

1.9

3.2 3.1

0

1

2

3

4

5

6

7

July Aug Sep


Male

Female

2.51.7 1.7

3.3 3.1

4.6

6.0

4.8

2.3

10.0

4.7

2.4

0

2

4

6

8

10

12

July Aug Sep


$0 - $49,999$50,000 - $99,999$100,000 - $199,999$200,000 +

5.0

2.2

4.6

6.9

5.3

3.1

2.12.7

0.7

2.8

2.0 1.8

0.0

1.5

5.0

0

1

2

3

4

5

6

7

8

July Aug Sep

iPhone Owners: Has Purchased / Ordered An Apple Watch (%) 18 to 24

25 to 34

35 to 44

45 to 54

55 to 64



Smartphone Ownership SEPTEMBER 2015

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75.3 74.9

77.6

79.4

82.3

80.2 80.1

81.8 81.2

83.284.8

85.9 86.0 85.684.7

68

70

72

74

76

78

80

82

84

86

88


Do You Own A Smartphone (%)

24.4

53.0

0

10

20

30

40

50

60


Smartphone Brand Ownership - Majors (%)

Samsung

Apple

3.1

9.4

0

2

4

6

8

10

12


Smartphone Brand Ownership - Minors (%)

Blackberry

Amazon

Microsoft

Nokia

HTC

LG

3.1

8.0

12.9

22.5

8.6

32.8

12.3

0 5 10 15 20 25 30 35

iPhone 4 or Earlier

iPhone 4S

iPhone 5

iPhone 5S

iPhone 5C

iPhone 6

iPhone 6 Plus

Current iPhone Owners: What Model Do You Currently Own? (%)

43.3

55.3

66.374.4

0

10

20

30

40

50

60

70

80

$0 - $49,999 $50,000 - $99,999 $100,000 - $199,999 $200,000 +

Apple iPhone Ownership Income Breakdown(Rolling 3 Month Percentages)


53.658.8

49.946.1

50.3

42.0

43.4

0

10

20

30

40

50

60

70

18 to 24 25 to 34 35 to 44 45 to 54 55 to 64 65 to 74 75 or older

Apple iPhone Ownership Age Breakdown(Rolling Three Month Percentages)


47.4

55.3

30

35

40

45

50

55

60


iPhone Owners: Gender Breakdown (Rolling Three Month Percentage)

Male Female

33Proprietary Research / bespokeintel.com

The chart below shows the percentage of Apple owners who owned Apple previously and the percentage of Samsung owners who owned Samsung previously.



Smartphone Retention Rates SEPTEMBER 2015

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0.7

0.9

2.3

3.9

4.9

6.3

9.3

9.6

23.3

38.7

0 5 10 15 20 25 30 35 40 45

Amazon

Microsoft

Nokia

Blackberry

HTC

Other (please specify

Regular Cell Phone

LG

Samsung

Apple

Which Smartphone Brand Did You Own Previously (%)

Sep Aug Jul

0.6

1.2

1.2

1.3

2.4

5.4

7.0

27.7

53.2

0 10 20 30 40 50 60

Blackberry

Amazon

Microsoft

Nokia

HTC

Other (please specify)

LG

Samsung

Apple

Which Smartphone Most Likely To Purchase (%)

Sep Aug Jul

0.3

0.4

0.6

0.7

0.9

0.9

1.0

3.7

91.4

0 10 20 30 40 50 60 70 80 90 100

Nokia

Blackberry

LG

Amazon

Microsoft

HTC


Samsung

Apple

Current iPhone Owners: Plan to Purchase (%)

Sep Aug July

0.3

0.3

0.3

1.0

1.3

2.2

4.2

6.4

84.0

0 20 40 60 80 100

Nokia

Amazon

Blackberry

Microsoft

HTC

LG


Apple

Samsung

Current Samsung Owners: Plan to Purchase (%)

Sep Aug July

0.6

1.0

1.5

2.5

4.3

4.3

7.5

9.6

66.2

0 20 40 60 80

Microsoft

Amazon

Nokia

HTC

LG

Blackberry

Regular Cell Phone

Samsung

Apple

Current iPhone Owners: Brand Owned Last (%)

Sep Aug July

0.0

1.0

2.6

3.2

6.7

7.1

8.3

9.0

54.5

0 10 20 30 40 50 60

Amazon

Microsoft

Blackberry

Nokia

HTC

Apple

Regular Cell Phone

LG

Samsung

Current Samsung Owners: Brand Owned Last (%)

Sep Aug July

90.7

57.0

40

50

60

70

80

90

100

July Aug Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep

Retention Rates Over the Past Upgrade Cycle: Apple vs Samsung (%)

Apple Samsung

Owned Previously Will Buy Next

Most Recent Upgrade Cycle



Streaming Services SEPTEMBER 2015

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59.6 61.6

47.140.4

30.526.4

14.2

0

10

20

30

40

50

60

70


Netflix Subscribers Age Breakdown(Rolling 3 Month Percentages)


41.6 39.9

30.4

19.816.2

10.44.2

0

10

20

30

40

50


Pandora Subscribers Age Breakdown(Rolling 3 Month Percentages)


1.72.1

3.3

12.613.0

23.1

28.2

33.9

44.5

0

10

20

30

40

50

60


Do You Have An Account With Any Of The Following Streaming Services? (%)

Beats Music

Redbox Instant

iRadio

Spotify

Hulu

Amazon Prime

Pandora

None of theaboveNetflix

17.218.0

29.8

42.6

68.0

0

10

20

30

40

50

60

70

80

90


Which Two Do You Use Most Often? (%)

Spotify

Hulu

Amazon Prime

Pandora

Netflix



Social Media Accounts SEPTEMBER 2015

Return to DashboardNext: Engagement

29.0

31.6

75.4

15

25

35

45

55

65

75

85


Social Media Sites: Has Account - Majors (%)

LinkedIn

Pinterest

Instagram

Twitter

Facebook0.7

5.25.7

11.1

14.5

17.6

0

5

10

15

20

25


Social Media Sites: Has Account - Minors (%)

Slingshot

Vine

Kik

WhatsApp

None

Snapchat

0.5

1.7

2.6

3.6

6.7

8.5

14.3

15.8

18.5

19.8

23.5

80.8

0 10 20 30 40 50 60 70 80 90

Slingshot

Vine

Kik

Not Applicable

WhatsApp

Snapchat

Other

LinkedIn

Twitter

Pinterest

Instagram

Facebook

Social Media Websites: Which Two Do You Use Most Often? (%)

Sep Aug Jul

82.9 83.476.3 73.9

67.3 64.5

52.4

0

10

20

30

40

50

60

70

80

90


Facebook Accounts Age Breakdown(Rolling 3 Month Percentages)


21.4

31.9 32.4 35.6 34.332.9

19.3

0

5

10

15

20

25

30

35

40

45


LinkedIn Accounts Age Breakdown(Rolling 3 Month Percentages)


47.6

41.3

33.628.8

18.8

12.69.9

0

10

20

30

40

50

60


Twitter Accounts Age Breakdown(Rolling 3 Month Percentages)




Social Media Engagement SEPTEMBER 2015

Return to DashboardPrevious Page

67.3

17.5

4.7

2.7

2.9

4.8

69.9

17.1

4.1

2.8

4.5

1.6

0 20 40 60 80

Today

Within thepast week

Within thepast month

Within thepast year

More thana year ago

Never

Facebook Visits (%)

18-24 Years Old

All Respondents

24.6

11.5

6.7

5.2

3.6

48.4

47.2

14.6

6.5

6.1

3.7

22.0

0 20 40 60

Today

Within thepast week


Within thepast year

More thana year ago

Never

Instagram Visits (%)

18-24 Years Old

All Respondents

9.4

14.4

12.3

8.7

8.6

46.5

9.3

8.5

10.2

6.5

7.3

58.1

0 20 40 60 80

Today

Within thepast week


Within thepast year

More thana year ago

Never

LinkedIn Visits (%)

18-24 Years Old

All Respondents

13.0

15.5

12.3

11.4

6.8

41.0

21.5

15.4

9.8

12.2

6.1

35.0

0 10 20 30 40 50

Today

Within thepast week


Within thepast year

More thana year ago

Never

Pinterest Visits (%)

18-24 Years Old

All Respondents

15.7

14.4

9.5

8.5

8.0

44.0

25.2

16.3

8.9

10.6

11.4

27.6

0 10 20 30 40 50

Today

Within thepast week


Within thepast year

More thana year ago

Never

Twitter Visits (%)

18-24 Years Old

All Respondents

3.7

4.9

5.2

6.9

4.9

74.4

8.1

13.4

9.3

12.2

11.0

45.9

0 20 40 60 80

Today

Within thepast week


Within thepast year

More thana year ago

Never

Vine Visits (%)

18-24 Years Old

All Respondents

14.2

7.2

3.6

4.6

3.8

66.6

41.9

14.6

5.7

7.7

4.9

25.2

0 20 40 60 80

Today

Within thepast week


Within thepast year

More thana year ago

Never

Snapchat Visits (%)

18-24 Years Old

All Respondents

8.5

6.0

3.0

3.8

3.4

75.3

11.4

8.9

1.6

6.9

5.3

65.9

0 20 40 60 80

Today

Within thepast week


Within thepast year

More thana year ago

Never

WhatsApp Visits (%)

18-24 Years Old

All Respondents

11.8

9.3

3.7

4.9

11.0

59.3

0 20 40 60 80 100

Today

Within the past week




Never

Kik Visits (%)

18-24 Years Old

All Respondents

2.7

1.9

1.7

1.3

0.7

91.6

5.3

2.4

2.4

2.8

1.6

85.4

0 20 40 60 80 100

Today

Within the past week




Never

Slingshot Visits (%)

18-24 Years Old

All Respondents

3.70

4.51

3.013.50

3.14

3.94

2.83

3.563.28 3.38

Most Recent Visit to Social Media Sites (Weighted Average)

Jul Aug Sep5 - Today

4 - Past Week

3 - Past Month

2 - Past Year

1 - Longer



E-Commerce SEPTEMBER 2015

Return to DashboardNext: ASPs

51.2

63.0 63.3 63.8

0

10

20

30

40

50

60

70

80

$0 - $49,999 $50,000 - $99,999 $100,000 - $199,999 $200,000 +

Purchased on Amazon in Past Month Income Breakdown (Rolling Three Month Percentages)


19.922.1 21.0

26.0

0

5

10

15

20

25

30

$0 - $49,999 $50,000 - $99,999 $100,000 - $199,999 $200,000 +

Purchased on eBay in Past Month Income Breakdown (Rolling Three Month Percentages)


10.7

20.021.8 18.1

0

5

10

15

20

25

30

$0 - $49,999 $50,000 - $99,999 $100,000 - $199,999 $200,000 +

Purchased on Groupon in Past Month Income Breakdown (Rolling Three Month Percentages)


0.5

2.9

3.1

4.2

4.6

5.6

15.4

21.0

27.0

56.8

0 10 20 30 40 50 60 70

Liquidity Services

Zulily

Overstock

Not Applicable

Living Social

Etsy

Groupon

Ebay

None of the Above

Amazon

Have Purchased Items During Past Month (%)

Sep Aug Jul


We asked respondents if they purchased an item at each retailer during the past month and then asked them to enter in the amount they spent.

Please note that for retailers with less than ~30 visits, median spending results may not be statistically significant.



E-Commerce ASPs SEPTEMBER 2015


70

317

85

43

46

232

8

856

41

0 200 400 600 800 1000

Living Social

Ebay

Etsy

Zulily

Overstock

Groupon

Liquidity Services

Amazon

Wayfair

Online Retailers: Visits

Sep Aug Jul

25.00

30.00

27.50

50.00

70.00

32.00

100.00

45.00

90.00

0 20 40 60 80 100 120

Living Social

Ebay

Etsy

Zulily

Overstock

Groupon

Liquidity Services

Amazon

Wayfair

Online Retailers: Median Spend Per Visit ($)

Sep Aug Jul



Drug Stores SEPTEMBER 2015


32.5

34.6

12.3

1.4

0 5 10 15 20 25 30 35 40

CVS

Walgreens

Rite Aid

Duane Reade

Drug Stores: Purchased From Store In Past Month (%)

Sep Aug Jul

1.8

13.3

33.436.5

40.3

0

10

20

30

40

50

60



Duane Reade

Rite Aid

None of theabove

CVS

Walgreens






Drug Stores ASPs SEPTEMBER 2015


551

607

200

27

0 100 200 300 400 500 600 700

CVS

Walgreens

Rite Aid

Duane Reade

Drug Stores: Visits

Sep Aug Jul

20.00

20.00

20.00

20.00

0 5 10 15 20 25

CVS

Walgreens

Rite Aid

Duane Reade

Drug Stores: Median Spend Per Visit ($)

Sep

Aug

Jul



Home Improvement Retailers SEPTEMBER 2015


8.5

24.4

29.7

34.835.8

43.5

0

5

10

15

20

25

30

35

40

45

50

Jul

Au

g

Sep

Oct

Nov

Dec Jan

Feb

Mar

Apr

May Jun

Jul

Au

g

Sep

Shopped at Retailers for Home Improvement Items in Past Month (%)

Sears

Target

None

Walmart

Lowe's

Home Depot

28.130.1

21.7 21.7

26.0

0

5

10

15

20

25

30

35

Home Depot Lowe's Walmart Target Sears

Has Done a Home Improvement Project During Past Month - Visited Retailer During Past Month (3 Month

Rolling Percentages)







Home Improvement ASPs SEPTEMBER 2015


65.00

67.00

60.00

50.00

75.00

0 20 40 60 80 100

Home Depot

Lowe's

Walmart

Target

Sears

Home Improvement: Median Spend Per Visit ($)

Sep Aug Jul

551

607

200

27

504

0 100 200 300 400 500 600 700

Home Depot

Lowe's

Walmart

Target

Sears

Home Improvement: Visits

Sep Aug Jul

4.3

19.5

2.9

13.7

18.0

2.9

8.4

0 5 10 15 20 25

Dillard's

Macy's

Bloomingdales

JC Penney

Kohl's

Sak's Fifth Avenue

Nordstrom

Department Stores: Visited Website In Past Month (%)

Sep Aug Jul

2.15.6

8.1

18.922.323.5

52.4

0

10

20

30

40

50

60



Bloomingdales

Sak's FifthAvenueDillard's

Nordstrom

JC Penney

Macy's

Kohl's

None of theabove

4.7

17.6

1.0

19.4

21.0

0.94.5

59.4

6.9

26.8

3.2

24.4

29.7

2.49.1

42.2

8.5

29.9

3.6

18.5

31.8

3.0

12.2

41.5

6.8

29.4

5.1

18.122.0

4.0

18.6

42.4

0

10

20

30

40

50

60

70

Dillards Macy's Bloomingdales JC Penney Kohl's Sak's FifthAvenue

Nordstrom None of theAbove

Have Visited in the Past Month (Three Month Rolling %): Income Breakdown

>$50,000 $50,000-$99,9999 $100,000-$199,9999 >$200,000



Department Stores SEPTEMBER 2015







Department Stores ASPs SEPTEMBER 2015


85

336

31

285

355

36

122

0 100 200 300 400 500

Dillard's

Macy's

Bloomingdales

JC Penney

Kohl's

Sak's Fifth Avenue

Nordstrom

Department Stores: Visits

Sep Aug Jul

100.00

100.00

187.50

50.00

50.00

115.00

100.00

0 50 100 150 200

Dillard's

Macy's

Bloomingdales

JC Penney

Kohl's

Sak's Fifth Avenue

Nordstrom

Department Stores: Median Spend Per Visit ($)

Sep Aug Jul

40


Restaurants SEPTEMBER 2015

Return to Dashboard

-30 -20 -10 0 10 20

Taco Bell

Jack in the Box

Chipotle

Starbucks

Panera

Burger King

Wendy's

Sonic

Denny's

Pizza Hut

McDonald's

Dunkin' Donuts

KFC

Popeye's

Month/Month Change In Traffic (%)

15.119.821.7

24.9

43.8

0

10

20

30

40

50

60Have Visited in the Past Month - Major Restaurants

(%)Dunkin'Donuts

Burger King

Wendy's

Taco Bell

Starbucks

McDonald's

4.5

6.6

8.4

10.7

12.8

13.5

0

2

4

6

8

10

12

14

16

18

20Have Visited in the Past Month - Other Restaurants

(%) Denny's

Jack in theBoxPopeye's

Sonic

Pizza Hut

Panera

KFC

Chipotle4.65.2

10.611.612.012.2

14.414.7

17.617.7

20.722.5

25.828.6

46.8

0 10 20 30 40 50

Denny'sJack in the Box

Popeye'sChipotle

PaneraKFC

Dunkin' DonutsPizza Hut

SonicNone of the Above

Burger KingStarbucksWendy'sTaco Bell

McDonald's

Visits During Past Month (Three Month Rolling Percentages): South

3.24.2

7.77.98.3

9.511.8

13.315.9

17.818.4

20.024.9

37.540.9

0 5 10 15 20 25 30 35 40 45

Dunkin' DonutsPopeye'sDenny'sPanera

SonicPizza Hut

KFCWendy'sChipotle

Burger KingNone of the Above

Jack in the BoxTaco Bell

StarbucksMcDonald's

Visits During Past Month (Three Month Rolling Percentages): West

2.03.9

6.09.1

10.811.612.0

16.418.118.5

21.622.9

24.027.9

51.4

0 10 20 30 40 50 60

Jack in the BoxDenny's

Popeye'sSonic

Dunkin' DonutsKFC

Pizza HutChipotle

None of the AbovePanera

Wendy'sStarbucks

Burger KingTaco Bell

McDonald's

Visits During Past Month (Three Month Rolling Percentages): Midwest

0.42.83.4

6.08.48.4

11.712.9

15.918.2

19.922.322.3

36.638.5

0 5 10 15 20 25 30 35 40 45

Jack in the BoxSonic

Denny'sPopeye's

KFCPizza HutTaco BellChipotle

PaneraWendy's

Burger KingStarbucks

None of the AboveDunkin' Donuts

McDonald's

Visits During Past Month (Three Month Rolling Percentages): Northeast

5.57.6

8.38.7

10.4

12.2

12.3

12.4

12.419.8

20.621.2

23.8

26.6

47.7

4.3

7.1

6.516.2

16.0

12.2

16.4

11.1

10.129.6

17.1

21.0

18.024.4

42.2

0 10 20 30 40 50 60


Popeye'sPanera

ChipotlePizza Hut

Dunkin' DonutsKFC

SonicStarbucks

None of the AboveWendy's

Burger KingTaco Bell

McDonald's

Visits During Past Month (Three Month Rolling Percentages): Lower Income

$50,000 - $99,999$0 - $49,999

4.6

6.0

6.2

9.0

9.6

10.614.7

16.3

19.6

19.719.9

20.1

21.238.4

41.5

3.4

5.65.1

7.3

7.39.6

15.8

12.416.9

16.420.9

27.1

19.841.8

42.4

0 10 20 30 40 50


Popeye'sKFC

SonicPizza Hut

Burger KingNone of the Above

Dunkin' DonutsWendy'sTaco Bell

PaneraChipotle

StarbucksMcDonald's

Visits During Past Month (Three Month Rolling Percentages): Higher Income

$200,000 +

$100,000 - $199,999



Dollar Stores / Big Box SEPTEMBER 2015


4.1

13.3

17.119.4

26.2

40.7

60.0

0

10

20

30

40

50

60

70



Five Below

Family Dollar

None

Dollar General

Dollar Tree

Target

Walmart

35.4

23.4

66.4

17.5

30.4

12.24.4

0

10

20

30

40

50

60

70

80

Target DollarGeneral

Walmart FamilyDollar

Dollar Tree Five Below None of theAbove

Visits During the Past Month (Rolling Three Month Percentages): HHI < $50,000


50.5

15.4

60.1

10.6

23.419.2

0.30

10

20

30

40

50

60

70

80




Visits During the Past Month (Rolling Three Month Percentages): HHI $50,000-$99,999


55.9

10.4

52.8

6.3

28.6

15.6

5.7

0

10

20

30

40

50

60

70




Visits During the Past Month (Rolling Three Month Percentages): HHI $100,000-$199,999


55.4

5.6

40.7

2.8

24.4 21.6

9.6

0

10

20

30

40

50

60

70



Dollar Tree Five Below None ofthe Above

Visits During the Past Month (Rolling Three Month Percentages): HHI $200,000+


95.00

50.00

15.00

60.00

17.00

11.00

0 20 40 60 80 100

Target

Dollar General

Walmart

Family Dollar

Dollar Tree

Five Below

Big Box: Median Spend Per Visit ($)

Sep Aug Jul






Dollar Stores / Big Box ASPs SEPTEMBER 2015


614

292

905

201

395

258

0 200 400 600 800 1000 1200

Target

Dollar General

Walmart

Family Dollar

Dollar Tree

Five Below

Big Box: Visits

Sep Aug Jul



Airlines SEPTEMBER 2015

Return to Dashboard

1.21.9

2.2

4.55.0

6.2

6.8

0

2

4

6

8

10

12

Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Have Flown In Past Month (%)

Spirit

Jetblue

Other

United

Delta

American

Southwest



Online Travel Agencies SEPTEMBER 2015

Return to Dashboard

53.8

4.9

5.2

7.8

9.4

19.0

0 10 20 30 40 50 60

Other / I don't know

Trivago

Orbitz

Kayak

Priceline

Expedia

If Booking A Trip Today, Which Website Would You Go to First? (%)

Sep Aug Jul

75.8

1.6

2.9

4.5

5.1

10.0

0 20 40 60 80 100

Other / NA

Trivago

Kayak

Orbitz

Priceline

Expedia

Booked a Flight in Past Three Months (%)

Sep Aug Jul

77.1

2.2

2.7

3.7

4.4

9.7

0 20 40 60 80 100

Other / NA

Kayak

Trivago

Orbitz

Priceline

Expedia

Booked Hotel In Past Three Months (%)

Sep Aug Jul



Theme Parks SEPTEMBER 2015

Return to Dashboard

78.1

2.1

3.6

6.0

6.6

11.6

0 20 40 60 80 100

None of the above

Busch Gardens

Seaworld

Universal Studios

Six Flags

Disney world / Disneyland

Plans To Visit Theme Parks: Next Six Months (%)

Sep Aug Jul



Investors Stock Market View SEPTEMBER 2015

Return to Dashboard

Jul

Aug Sep

Oct

Nov

De

c

Jan

Feb

Ma

r

Ap

r

Ma

y

Jun

Jul

Aug Sep

Current View of the Stock Market (Tracker)

5 - Very Positive

4 - Postitive

3 - Neutral

2 - Negative

1 - Very Negative

4.3

31.2

46.3

14.1

1.9 2.2

0

5

10

15

20

25

30

35

40

45

50

VeryNegative

Negative Neutral Positive VeryPositive

N/A

Current View of Stock Market (%)

35.8

42.0

38.6

40.5

37.6

42.0

39.2

39.6

38.8

40.742.0

38.9

40.6

44.1

45.1

30

32

34

36

38

40

42

44

46


Follow Stock Market On A Regular Basis? (%)

7.1

11.210.7

9.0 8.7

11.1

9.8

7.7

9.8

11.4

12.7

11.0

11.3

9.89.5

6

7

8

9

10

11

12

13

14

15


Do You Currently Have Any Investments In Gold (%)

46.1

46.2

50.851.9

48.5

49.0

45.5

47.6

45.2

43.1

41.540.5 40.8

39.838.5

38

40

42

44

46

48

50

52

54


Invests in Stocks, Bonds, Commodities, Real Estate, or Other Financial Products (%)



Interest Rates and Risk SEPTEMBER 2015

Return to Dashboard

1.04.8

32.5

56.8

2.1 2.8

0

10

20

30

40

50

60

VeryNegative


N/A

Expectations for Interest Rates One Year From Now (%)

Jul

Au

g

Sep

Oct

Nov

Dec Jan

Feb

Ma

r

Ap

r

Ma

y

Jun

Jul

Au

g

Sep

Expectations for Interest Rates One Year From Now (Tracker)

5 - Much Higher

4 - Higher

3 - Same

2 - Lower

1 - Much Lower

4.6

22.4

56.6

12.6

1.5 2.2

0

10

20

30

40

50

60

VeryNegative


N/A

Risk Currently Willing to Take vs One Year Ago (%)

Jul

Au

g

Sep

Oct

Nov

De

c

Jan

Feb

Mar

Ap

r

Ma

y

Jun

Jul

Au

g

Sep

Risk Currently Willing to Take Compared to One Year Ago (Tracker)

5 - Much More

4 - More

3 - Same

2 - Less

1 - Much Less

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