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Fierce competition among home mortgage providers is great news for borrowers. (i) Does the statement above suggest banks should adopt user pays pricing or bundled

"Fierce competition among home mortgage providers is great news for borrowers."


(i)  Does the statement above suggest banks should adopt user pays pricing or bundled product pricing and why? 


(ii) Which group of customers will be most suited to the pricing method that you have identified in part (i) and why? 

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