1.   Analysts blame the lag on lingering consumer doubts and tougher competition from major airlines.

2.   Some analysts, though, said growing consumer doubts and the continuing public relations fiasco over the star-crossed chip could affect computer sales during the Christmas season.

3.   That was exacerbated by consumer doubt after bad publicity from the inappropriate selling of pension products.

4.   One of the biggest obstacles to faster growth of the activity is consumer doubt about the security of financial transactions on the Internet.