What is the main idea of the passage?

Fed Chair Janet Yellen announced Dec. 16 that the central bank would raise interest rates for the first time in almost a decade. Any further monetary tightening will be gradual and contingent on continued economic health, she explained, projecting that rates would rise 3 percentage points in three years. What should the average consumer make of all this economic commentary? Here’s who wins and loses.

Online consumer behavior parallels that of offline consumer behavior with some obvious differences. It is important to first understand why people choose the Internet channel to conduct transactions. While price is an important consideration, consumers also shop online because of convenience, which in turn is produced largely by saving them time. Overall transaction cost reduction appears to be a major motivator for choosing the online channel.