Luzette,
I agree with you that the matters you mentioned should be incorporated into the mosaic.
Summarising, these matters are:
a) technology; b) good customer service and complete access to several choices of products and services; c) better relationships based on trust between consumers and suppliers; d) the limited educational level of low-income communities and the challenges entailed by it especially when it comes to implementation and dissemination of solutions; e) the uniqueness and high level of difficulty of distribution access to low-income community markets.
These, ethical behaviour and other matters embodied in the concepts of Integrative Capitalism™ and Integrative Democracy™ are addressed by the Integrative Improvement Institutes Project for the dissemination, refinement and implementation of Integrative Improvement™: Sustainable Development as if People and Their Physical, Social and Cultural Environments Mattered.
Accordingly, may I suggest the addition of the following to the mosaic:-
Factors: Poor governance
No common basis for communication Existing top-down approaches to development
Principles: Radical change of training in planning and governance
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