Among holders of credit agreements (retail store cards, loans/h.p., mail order credit, credit cards): to establish the prevalence of negative option and inertia selling. to determine the extent to which these practices result in a consumer paying for a service they do not want to determine the outcome of any claims made on insurance policies sold in this way Variables Holding of credit cards, loans/h.p. agreements, mail order credit or retail store cards; whether payments being made for insurance or membership of special shopping clubs; if yes at 2, circumstances by which payments came to be made.