Generally speaking, people borrow for one of three reasons. They borrow to Blank 1 Вопрос 11buy major items a car or holiday, something like that. They borrow to Blank 2 Вопрос 11consolidate their debts - so they put all their debts in one place and they have to make just one monthly payment. Or they borrow Blank 3 Вопрос 11for everyday purchases , simply to spread the cost of their monthly spending in a more manageable way. Competition is really about providing our customers with Blank 4 Вопрос 11increased choice and Blank 5 Вопрос 11increased flexibility .