The Economic Potential to Support Sustainability through Household Consumption Choices

The amount of money that could potentially be saved by households by reducing unnecessary consumption and directed to sustainable investments without compromising the social needs in Finnish households was studied. The study was conducted by using statistical data and by creating shortand long-term scenarios to assess potential savings resulting from changes in household behaviour. According to the results, a Finnish household could save and subsequently allocate an average of €3400–€15,000 annually to invest in sustainability. The greatest potential for preventing unnecessary consumption is related to (1) food and drinks, and (2) transportation. In the long-term scenario, reducing expenditures in the category of housing also provides opportunities for high savings. A significant share of the saving created by sustainable patterns of consumption can be directed for example to investments in renewable energy.


Introduction
The world is currently facing challenges calling for immediate action.The climate is changing rapidly, and even though globally emitted carbon dioxide emissions were levelling for three years, the emissions are growing again [1,2].According to Figueres et al. [3], humankind has three years to safeguard the climate by decreasing the amount of greenhouse gas emissions.Otherwise, the temperature goal of the 2015 Paris climate agreement will be nearly unobtainable, and achieving the UN Sustainable Development Goals will be extremely difficult [3].
A solution to the sustainability crisis does exist.In fact, scientists have offered a variety of possible pathways [3], but large-scale concrete results are lacking.The Paris Agreement, an accord to curb greenhouse gas emissions [4], is a step forward and offers the world a roadmap in the right direction.Action must be taken by entities and individuals at all levels: nations, companies and corporations, cities and municipalities; and above all, individual citizens.It is often thought that actions promoting sustainability are costly, especially when it comes to individual customers and the micro level in general [5][6][7][8][9][10].However, societies and consumers are already spending a great deal of money on operations with minor importance for human well-being.Today, the environmental discourse seems to embrace two built-in assumptions used to downplay consumer environmental responsibility.
The first assumption is that the possible role of consumers in resolving the sustainability crisis is often incorrectly considered to be small [10][11][12][13].However, for instance, in Finland, the greenhouse gas emissions from private household final consumption (later on referred to as household consumption) amounted to 47.9 million tonnes of CO 2 -eq in 2012 [14].The amount includes greenhouse gas emissions from production and distribution chains, and from the consumption use of products [14].According to Seppälä et al. [15], individual consumption accounted for 68% of GHG emissions caused by the domestic final use of products on the Finnish level.Housing causes roughly one-third of the total household-related emissions [14], mainly because of the considerable amount of energy needed for the heating of homes in northern latitudes.In 2012, the household sector accounted for 21% of the total end-use of energy in Finland, space heating comprising 71% of the total residential use [16].Furthermore, sustainability in other consumption sectors, such as transportation or food, is compromised because of the excessive consumption patterns.Material-intensive consumption has been identified as a major threat to sustainability in many studies and contexts [17][18][19].Consumer choices may potentially have a high impact on production and on society in general, as the world economy is based on consumption.The final consumption expenditure of households in Finland accounted for 52% of the total gross domestic product (GDP, expenditure approach) [20].
The second assumption is that environmental preservation is costly, and sustainable products are too expensive compared to conventional choices [5][6][7][8][9][10].However, it could be argued that resolving the sustainability crisis should be highly prioritised, and as this requires immediate action, cost should not be the determining factor.Furthermore, from the standpoint of sustainability, an average Finnish citizen's consumption is clearly on "overshoot".Basic needs are met relatively easily, and more money can be allotted towards unnecessary consumption than ever before.The term "unnecessary consumption" is used in this paper to refer to, in the context of the Western welfare society, consumption that does not support the fulfilment of basic needs.In this paper, basic needs refer to Raworth's Donught's [21] inner ceiling of the social foundation, which consists of health, education, networks, income and work, political voice and social equity.An example of unnecessary consumption could be the excessive usage of unhealthy foods (e.g., sweets) or drinks (e.g., soft drinks), superfluous electric kitchen appliances (e.g., popcorn machines), or any material-intensive luxury product.
Environmental impacts of the household expenditure structure in the EU were studied by Liobikien ė & Mandravickait ė [22].Of the consumption categories studied, food and beverages, transport, and housing were found to be the most polluting ones in terms of greenhouse gas emission and acidifying compound emission intensities.The three consumption categories of clothing and footwear, furnishings and household equipment, and restaurants and hotels were found to be moderately polluting.The lowest intensities of greenhouse gas emissions were attributed to the remaining five categories of health, communications, education, recreation and culture, and miscellaneous good and services.Similar results were obtained by the European Environmental Agency (EEA) [23].Liobikien ė & Mandravickait ė [22] point out that it is not possible to achieve more sustainable consumption patterns by only changing the household consumption structure.Governmental policies affecting technological development and inducing more sustainable production and consumption are required as well.
Ivanova et al. [24] analyzed the environmental impact of household consumption using data from 43 countries.Similar to Liobikien ė & Mandravickait ė [22], they also found that mobility, shelter and food are the most influencing categories for environmental footprints in terms of greenhouse gas emissions, land use, water use and material use.Similarly, Poom & Ahas [25] found shelter, transport, and food and non-alcoholic beverages to be the three main causes of the carbon load of household consumption in Estonia.Kalbar et al. [26] assessed lifestyle aspects such as the choice of diet, the use of a private car and the household size, and found these aspects to have a significant influence on consumption related environmental impacts of Danish.Girod et al. [27] reviewed the carbon footprints of products in five main categories including food, shelter, transportation, goods and service.According to their findings, in all of the categories, there are consumption options, which enables the limiting the global temperature rise to 2 • C.
This paper focuses on Finnish households' economic potential to contribute to a solution to the sustainability crisis.The main goal is to estimate the amount of money that could be directed toward sustainable investments while staying above the ceiling of a social foundation.First, in this paper, the expenditure structure of an average Finnish household is presented and analysed to find out what portion of disposable income is used to cover the basic needs [28] in the context of the Finnish welfare society, and how much is available for purchasing other products and services referred to as unnecessary consumption.This latter proportion of spending is examined more closely, as its necessity may be questioned from the sustainability perspective.A calculation model is then created to indicate how customers could change their spending habits and to approximate the amount of economic potential that could be directed towards sustainable investments.In addition to an average household, the calculation model is applied to the first and fifth income class quintiles to assess the different potentials the income classes hold.This paper focuses on the calculation of the potential amount of money instead of focusing on ways of how to encourage consumers to adopt the change.These ways, in reality, are manifold and studied for example by Sheth et al. [29], Thøgersen [30], de Boer et al. [31], and Byerly et al. [32].Presumably, households are not likely to reduce their consumption but rather shift towards more sustainable choices.At the end of this paper, a rough calculation is presented where households purchase solar panels or EV's with the total savings.More generally, investing in sustainable businesses could be profitable for both customers and the environment.
This paper answers the following research questions: • How much an average Finnish household could reduce its consumption of disposable income by reducing unnecessary consumption while simultaneously reducing the environmental impact?

•
What is the economic potential for making sustainable consumption choices in Finland?

Background Information
In 2016, the average Finnish household spent €37,551, and the number of households was 2.68 million [33].Hence, the total expenditure of households accounted for €101 billion.The consumption of Finnish households has been studied in terms of the classification of individual consumption by purpose (COICOP) and divided into 12 categories, A01-A12 (Table 1).The categories of housing, transport, and food, and non-alcoholic beverages have the largest shares of the total expenditure as well as the highest environmental impacts, as stated earlier.By this account, it is clear that the consumption pattern of Finnish households causes a major environmental burden.

Data Collection
The consumption expenditure of Finnish households was explored at a more detailed level of COICOP classification than that expressed in Table 1.The data were obtained from an online database maintained by Statistics Finland [33].The data were used in their original format, in which the 12 main consumption categories are divided into several subgroups.Depending on the main category, these subgroups are further divided as many times as required to describe an exact product or service.The amount of annual expenditure is available separately for each product and service; therefore, it was possible to make specific calculations.

Calculation Model
In order to estimate the amount of the economic potential in question, a calculation model was created to calculate both the short-term and long-term potential values.Similar scenario methodology has been used e.g., by Bonilla et al. [34].Every product and service included in the consumption data was evaluated separately to determine whether the product or service was essential to human well-being.If the necessity of any product or service was debatable, a percentage of deduction was defined and applied to the original amount of expenditure.The total economic potential value was approximated by adding up the possible savings of all consumption components.Additionally, background information from relevant entities and other reliable sources was used as a reference to support the choices of the deduction percentages.
No reductions were made in the consumption categories of health, communication and education.Firstly, these categories can be seen as an essential core of any welfare state; and secondly, they represent multiple sectors of Raworth's [21] and Donught's inner ceiling of social foundation (health, education, networks, income and work, political voice and social equity).They are also part of Gough's [35] three basic needs (participation, health, and autonomy).In addition, these categories compose only 5.9% of Finnish household consumption expenditure.In the consumption category of miscellaneous goods and services, no reductions were made for insurance or items falling outside of consumption expenditure, which includes, for example, tax-like charges, membership fees, fines and interest payments, as their necessity and role in the future economy are difficult to predict.
The following two scenarios were formed to calculate the short-term and long-term economic potential values: • Scenario 1 (S1) describes an incremental situation which may be achieved quickly and easily over the next couple of years.In S1, the savings can be reached with rather simple and small actions, and a radical change of lifestyle is not required.These small actions include for example reducing the consumption of meat and reducing household energy consumption by performing small energy-saving actions.

•
Scenario 2 (S2) is a long-term-goal scenario, which is also realistic provided that Finnish society is ready to implement fundamental changes.To be able to achieve the S2 situation, considerable willingness and action to shift towards more sustainable lifestyles would also be required globally.In S2, the ceiling of the social foundation is not risked, but almost all unnecessary consumption has been cut out.S2 may be viewed as describing the target for the next 15-20 years, as it requires significant changes at many societal levels.
Figure 1 presents how the total consumption expenditure is reduced in Scenario 1 and in Scenario 2. The ceiling of the social foundation is not risked in either of the scenarios.
Next, both of the two Scenarios are presented by category and quintiles with descriptions of the done reductions, reasoning, and reduction percentages.The changes in consumption can be either qualitative or quantitative.In our scenarios, the changes are quantitative with the exception of category A01 Food and non-alcoholic beverages in which the changes are partly qualitative.The deduction percentages can be found from Table 2.For category A01, Food and non-alcoholic beverages reductions are made in the consumption of meat, dairy and egg products, and unhealthy foods such as foodstuff containing lots of sugars, salt, and/or saturated fats.Reductions are based both into health and environmental sustainability claims.In Scenario 2, consumption of coffee, tea, and cocoa is also reduced.In category A02 (Alcoholic beverages and tobacco), the reductions are health based in both scenarios.In category A03 (Clothing and footwear), the reductions are based on the current amount of textile waste and reductions on the synthetic material used.In category A04 (Housing), the reductions are based on reductions on residential energy consumption, and room density per person.For category A05 (Furnishing and household equipment), the reductions are based on material footprint and the decreased need for furnishing following from the decreased floor area.In category A07 (Transport), the reductions are achieved with decreased purchase and usage of private vehicles and decreased purchase of overseas travel tickets.For category A09 (Recreation and culture), for example, the decrease in package tours and cruises abroad was estimated.For category A11 (Hotels, cafés and restaurants), the reductions are based on the reductions in unhealthy foods and alcoholic beverages, and accommodation services.For category A12 (Miscellaneous goods and services), a reduction in personal care and in consumption abroad were assumed.
Sustainability 2018, 10, x FOR PEER REVIEW 5 of 13 and cocoa is also reduced.In category A02 (Alcoholic beverages and tobacco), the reductions are health based in both scenarios.In category A03 (Clothing and footwear), the reductions are based on the current amount of textile waste and reductions on the synthetic material used.In category A04 (Housing), the reductions are based on reductions on residential energy consumption, and room density per person.For category A05 (Furnishing and household equipment), the reductions are based on material footprint and the decreased need for furnishing following from the decreased floor area.In category A07 (Transport), the reductions are achieved with decreased purchase and usage of private vehicles and decreased purchase of overseas travel tickets.For category A09 (Recreation and culture), for example, the decrease in package tours and cruises abroad was estimated.For category A11 (Hotels, cafés and restaurants), the reductions are based on the reductions in unhealthy foods and alcoholic beverages, and accommodation services.For category A12 (Miscellaneous goods and services), a reduction in personal care and in consumption abroad were assumed.As meat consumption was decreased in both scenarios, a rough calculation was made to estimate the necessary addition in plant-based protein intake.The average price per gram of protein was studied in eight common meat products and plant-based products.The nutritional information and prices were obtained from a Finnish retailer's online service, Foodie.com[36].According to the calculation, the average price of a plant-based protein gram is 32% lower than that of meat protein.
In the final expenditure calculation, a conservative estimate of 25% was used, in which case 75% of the hypothetical savings from meat was used to purchase plant-based products.Possible other feedback loops were not identified and considered in this study.
In addition to calculating the Scenarios with a consumption structure in an average Finnish household, the Scenarios were also calculated for the first and fifth quintiles of income classes.The reductions for the first quintile were done so that the money available for consumption in each category equals the money available of an average household.This does not apply to unhealthy foods, alcohol and tobacco as the reduction are health based.Additionally, the reduction percentages are equal to an average households in categories A072 Operation of personal transport equipment and A045 Electricity, gas and other fuels because of there are alternative ways for private car use, and small changes in electricity use are generally doable in lower income households as well.For the fifth As meat consumption was decreased in both scenarios, a rough calculation was made to estimate the necessary addition in plant-based protein intake.The average price per gram of protein was studied in eight common meat products and plant-based products.The nutritional information and prices were obtained from a Finnish retailer's online service, Foodie.com[36].According to the calculation, the average price of a plant-based protein gram is 32% lower than that of meat protein.
In the final expenditure calculation, a conservative estimate of 25% was used, in which case 75% of the hypothetical savings from meat was used to purchase plant-based products.Possible other feedback loops were not identified and considered in this study.
In addition to calculating the Scenarios with a consumption structure in an average Finnish household, the Scenarios were also calculated for the first and fifth quintiles of income classes.The reductions for the first quintile were done so that the money available for consumption in each category equals the money available of an average household.This does not apply to unhealthy foods, alcohol and tobacco as the reduction are health based.Additionally, the reduction percentages are equal to an average households in categories A072 Operation of personal transport equipment and A045 Electricity, gas and other fuels because of there are alternative ways for private car use, and small changes in electricity use are generally doable in lower income households as well.For the fifth quintile, the same reduction percentages are applied as to average households.The reduction percentages for the scenarios are presented in Table 2.
More detailed description of the deduction percentages used in the calculation model and background information can be found in the Supplementary Materials, a link to which is provided at the end of this paper.Note: * incl.soft drinks and processed food containing lots of sugar, salt and/or saturated fat.

Results and Discussion
After applying the reduction percentages, the Finnish household's economic potential to support sustainability can be calculated.The results for average households and the first and fifth quintiles by scenarios are presented in Figures 2 and 3.
In Scenario 1, for an average household and fifth quintile, the largest savings in monetary terms are made in the consumption categories of transport and food, which also result in significant environmental impacts.For the fifth quintile, the savings in transport are noticeably higher than in other categories compared to an average household.This is because the quintile spends approximately twice as much on transport than an average household.The consumption categories of food and transport are among the top three in terms of the present household expenditure as well.While housing makes up almost one-third of the total expenditure, the savings in S1 are minor because the only reductions in this category are made in the household energy consumption.A large amount of money could be saved in alcoholic beverages and tobacco as well, according to S1.In other categories, the savings are more marginal.The largest monetary savings for the first quintile are made in the consumption categories of alcoholic beverages and tobacco, and food and non-alcoholic beverages.In some categories, there are no reductions at all. in the consumption categories of alcoholic beverages and tobacco, and food and non-alcoholic beverages.In some categories, there are no reductions at all.   in the consumption categories of alcoholic beverages and tobacco, and food and non-alcoholic beverages.In some categories, there are no reductions at all.Savings in Scenario 2 present a potential future scenario in which the most polluting consumption categories are reduced considerably.For an average household and the fifth quintile, the largest savings are made in the areas of transport, housing, recreation and culture, and food and non-alcoholic beverages.While the recreation and culture category is of a low environmental intensity, it is substantial in monetary terms and broadly consists of unnecessary consumption.Significant savings may also be achieved in miscellaneous goods and services, furnishings and household equipment, and alcoholic beverages and tobacco.The smallest savings are found in the consumption groups of clothing and footwear and hotels, cafés and restaurants, but these groups also represent some of the smallest in terms of the present expenditure.
Whereas for an average household and fifth quintile household there are large savings in the category of housing, there are almost no savings in that category for the first quintile.The biggest savings are made in the categories of transport, food, and alcoholic beverages and tobacco.
In Table 3, the total economic potential values in Scenario 1 and Scenario 2 for an average household are presented.Even though the implementation of expenditure reductions in S1 is not very demanding for individual households, the total amount of economic potential is remarkable.In the case of S2, households are expected to save 40.5% of their expenditure.This is a challenging amount, but it is clear that sustainability cannot be achieved without a drastic shift towards much more frugal lifestyles.With approximately 41 billion €-19% of Finland's GDP [20]-per annum, Finnish households would have the opportunity to enhance sustainability significantly.The potential savings are calculated using the consumption expenditure and euro value of 2016, and the future value of the savings is not considered.In Table 4, the total economic potential values are calculated for the first and fifth quintiles.In S2, the economic potential of a fifth quintile household is 62% higher compared to an average household.The savings of the first quintile household in S2 approximately equals the savings of an average household in S1.According to the results, it could be argued that private households have the opportunity to take a leading role or at least play a significant part in sustainability crisis management.Investment possibilities for the money saved are numerous.Figueres et al. [3] have set six milestones which identify the ideal situation for 2020 concerning energy, infrastructure, transport, land use, industry, and finance.Households could impact all of these categories, either directly or indirectly.The most concrete actions could likely be taken in the energy and transport sectors, as individual households become able to purchase, for example, solar panels or electric vehicles for themselves.
Two rough calculations were made to estimate the potential to support solar energy production or electric private transportation with S1 savings (Table 5).
Table 5.The potential to invest in solar energy production or electric private transportation with Scenario 1 savings.

Solar Energy
Solar power system [37] 10,00 € Residential buildings in Finland [38] 1,290,300 pcs Estimated that 60% of the buildings could be installed with solar power 774,180 pcs Total price 7.74 bn €

Electric Transportation
Average price of a new electric car in Finland [39] 38,617 € Average amount of new car registrations in Finland in 2010-2016 [40] 122,500 pcs/a Possible new electric car registrations with S1 savings 238,238 pcs/a The results indicate that, with only small changes in behaviour and consumption expenditure, households have the opportunity to choose to support sustainability with a high financial input.According to the calculations, 60% of Finnish residential buildings could be solar powered in one year with the potential savings from Scenario 1.This represents 16% of the total Finnish electricity consumption in households, as the average annual electricity production of solar panel system is 4450 kWh [37], and the total annual Finnish electricity consumption on housing is 21 TWh [41].Concerning electric transportation, Figueres et al. [3] suggest that globally, 15% of annual new car sales should consist of electric cars.With the savings from Scenario 1, virtually double the amount of newly registered cars could be purchased as electric vehicles.Investments into solar power, and to some extent into electric vehicles, will be paid back because of reduced operating costs.The earned savings can be used, for example, for further investments in renewable energy.It is also a possibility that some of the savings may be invested into additional free time by, for example, reducing working hours.However, our aim was to focus more on calculating the potential of initial savings instead of discussing further investment opportunities.
While Scenario 1 is achievable without major systemic changes within Finnish society, the situation with Scenario 2 is different.Radical reduction in consumption as we know it will have far-reaching effects on many levels.Transitions must occur everywhere: the global economy and politics must be based on more ecological and humane values than what they are today; the dominance of fossil-fuel based industries must vanish; businesses that destroy nature beyond repair or do not contribute to sustainability in any way, shape, or form must be radically decreased; the concepts of private ownership and materialism must be praised no longer; and more generally, the global mindset and focus should be directed squarely at solutions to the sustainability crisis.As entire industries disappear, jobs must be created elsewhere.This shift will require more than a couple of years, but change must begin immediately.
Liobikien ė & Mandravickait ė [22] point out that it is not possible to achieve more sustainable consumption patterns by only changing the household consumption structure.Government policies affecting technological development and inducing more sustainable production and consumption are required as well.Political decision-making can indeed be a major contributor to the change towards a more sustainable society.However, as our calculations indicate, it is indeed possible to support sustainability by changing consumption patterns.Political action should be taken to support sustainable consumption choices and to induce general household-level participation.Examples of possible policies include taxation systems favouring sustainable choices, science-based decision-making or leading by example.The results of the study could also be linked to the managerial use of sustainable factors [42] or collaborative economy analyses [43].In the EU level, the potential savings are even higher.According to a rough calculation based on an average consumption per capita in EU [44], the total household consumption is approximately 9.2 trillion €.If similar redirection of consumption potential than in Finnish S1 and S2 is assumed, the economic potential in EU level would be from 0.92 to 3.9 trillion €.The study of household expenditure in other countries is necessary in order to understand the economic situation globally.
This research was carried out using the average consumption pattern of Finnish households.The first and fifth quintiles of income classes were studied as well.There are major differences in the relative and absolute potentials between these quintiles.It is possible that with the fundamental changes needed in Scenario 2, the savings achievable by the fifth quintile could be even higher.
Much of the existing research [22,[24][25][26] conclude that housing, transportation and food are the three most polluting consumption categories in terms of greenhouse gas emissions.Categories of transportation and housing are also the ones which provide the biggest possibilities for monetary savings in S2.Category of food and non-alcoholic beverages is also among the four biggest potentials, whilst the category of recreation and culture has the third biggest potential.For future research, it would be a point of interest to assess the greenhouse gas reductions achieved by reducing unnecessary consumption.Additionally, what should be done with the saved money in order to avoid consumption shifting from unsustainable consumption category to another unsustainable use should be studied.Another point of interest would be performing an analysis for a scenario in which the households shift their spending towards more sustainable categories instead of mostly reducing their consumption.Additionally, a topic for future research could be studying the possible consumers' decisions which would not only benefit the environment but also enhance individuals' well-being such as reducing housing area and spending the amount saved for recreational and cultural activities that do not require a lot of resources.

Conclusions
In this study, two scenarios were formulated to estimate the amount of money that Finnish households could use to support sustainability after changing their consumptive behaviour.Scenario 1 only requires relatively easy and small changes in household consumption, whereas Scenario 2 requires households to change their lifestyles more radically.In S1, an average household could save €3400 annually, which translates into €9.2 billion in total in Finland.In S2, the economic potential of an average household is €15,000 per year, adding up to €40.8 billion in total.The largest savings would be realised in the four consumption categories of transport, housing, recreation and culture, and food and non-alcoholic beverages.Out of these categories, transport, housing and food are the three most polluting consumption categories in terms of greenhouse gas emissions as well.Therefore, a relevant topic for future research is to assess the greenhouse gas reduction impact, which is created together by reduced consumption and money directed to sustainable investments.
The results of the study suggest that Finnish households could significantly impact sustainability without compromising the fulfilment of basic needs in the context of the Finnish welfare society.In Scenario 1, savings can be reached with rather simple and small actions, and a radical change of lifestyle is not required.With the amount saved in Scenario 1, solar power could be installed in 60% of Finnish residential buildings, which is more than all the detached houses of Finland.Alternatively, all new car registrations could be for electric cars.In Scenario 2, a considerable willingness and action to shift towards more sustainable lifestyles would be required, and fundamental changes would be needed as almost all unnecessary consumption would have to be cut out.Some businesses would have to vanish, but there would be a need for new ones.This change will take time, but the transition should start immediately.Based on an average consumption per capita in the EU, the savings of Scenario 2 would add up to 3.9 trillion €.The results show that although governmental policies are needed to support sustainability, the consumption choices of households indeed have a significant role in safeguarding the planet.

Figure 1 .
Figure 1.The reductions of S1 and S2 from the total consumption expenditure.

Figure 1 .
Figure 1.The reductions of S1 and S2 from the total consumption expenditure.

Figure 2 .
Figure 2. The potential savings in S1 for an average household and the first and fifth quintiles.

Figure 3 .
Figure 3.The potential savings in S2 for an average household and the first and fifth quintiles.

Figure 2 .
Figure 2. The potential savings in S1 for an average household and the first and fifth quintiles.

Figure 2 .
Figure 2. The potential savings in S1 for an average household and the first and fifth quintiles.

Figure 3 .
Figure 3.The potential savings in S2 for an average household and the first and fifth quintiles.Figure 3. The potential savings in S2 for an average household and the first and fifth quintiles.

Figure 3 .
Figure 3.The potential savings in S2 for an average household and the first and fifth quintiles.Figure 3. The potential savings in S2 for an average household and the first and fifth quintiles.

Table 2 .
The reduction percentages for S1 and S2 for an average household and first and fifth quintiles.

Table 3 .
The economic potential values for an average Finnish household in Scenario 1 and in Scenario 2.

Table 4 .
The economic potential values for the first and fifth quintile of Finnish households in Scenario 1 and Scenario 2.