22. notes that cross-border integration of EU retail financial markets is less developed than in the wholesale area; notes that consumers still use physically present institutions more than virtual ones, and notes a predominantly domestic-oriented financing structure; warns, however, against simply overhauling the national consumer protection traditions and legal systems by one-size-fits-all harmonisation; takes the view that national consumer protection traditions must not be interpreted in such a way that new competitors are hindered on the domestic market; emphasises the need for a well-functioning internal market for financial se ...[+++]rvices; notes the importance of intermediaries in bringing competition to Member States' domestic markets; stresses the benefits of open and pluralistic structures in the European banking market in meeting the different and evolving needs of consumers;

21. notes that cross-border integration of EU retail financial markets is less developed than in the wholesale area; notes that consumers still use physically present institutions more than virtual ones, and notes a predominantly domestic-oriented financing structure; but warns against simply overhauling the national consumer protection traditions and legal systems by one-size-fits-all harmonisation; takes the view that national consumer protection traditions must not be interpreted in such a way that new competitors are hindered on the domestic market; underlines the need for a well-functioning internal market for financial services ...[+++]; notes the importance of intermediaries in order to bring competition to Member States' domestic markets; stresses the benefits of open and pluralistic structures in the European banking market to meet the different and evolving needs of consumers;

22. notes that cross-border integration of EU retail financial markets is less developed than in the wholesale area; notes that consumers still use physically present institutions more than virtual ones, and notes a predominantly domestic-oriented financing structure; warns, however, against simply overhauling the national consumer protection traditions and legal systems by one-size-fits-all harmonisation; takes the view that national consumer protection traditions must not be interpreted in such a way that new competitors are hindered on the domestic market; emphasises the need for a well-functioning internal market for financial se ...[+++]rvices; notes the importance of intermediaries in bringing competition to Member States' domestic markets; stresses the benefits of open and pluralistic structures in the European banking market in meeting the different and evolving needs of consumers;

We continue to see a 2% gap on programs and services, a 3% gap on health care, and there are countless other ways that this budget nickels and dimes aboriginal people.

8. The financial amounts of Multi-annual Indicative Programmes may be increased or decreased as a result of reviews, taking into account changes in a country's situation, performance and needs, in accordance with the procedure referred to in paragraph 7.

Substantial differences were found among language groups, in terms of financing providers approached, instruments, and approval rates: 80% of English-speaking owners used chartered banks for their daily financial needs, whereas 51% of French-speaking business owners reported using credit unions or caisses populaires.