I don't think the recovery can take place until this trend changes. US economy can only expand on debt.
Consumer borrowing falls sharply in November
Consumer borrowing falls for 10th consecutive month, dropping by record amount
http://finance.yahoo.com/news/Consumer-borrowing-falls-apf-526281786.html?x=0&sec=topStories&pos=1&asset=&ccode=
friday thread, page-105
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