# Acknowledgements

This course was written by Martin Upton.

The material acknowledged below is Proprietary, used under licence and not subject to Creative Commons licensing. See terms and conditions. Grateful acknowledgement is made to the following:

Course image: ©Rosemary Calvert/Getty Images.

Photographs

Figure 3: Courtesy of www.moneysupermarket.com; Figure 4: Copyright © Des Jenson/Photoshot; Figure 10: Courtesy of the Advertising Archives; Figure 11: Copyright © Marcus Clackson/iStockphoto.com; Figure 12 left: Courtesy of Consumer Credit Counselling Service www.cccs.co.uk; Figure 12 right: Courtesy of Citizens Advice Bureau.

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