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The Most Anticipated Trend of 2023 Related to Yours
Consumers just have way too much debt relative to their earnings right now. And they have some confidence that they'll always have a job or some way to pay there for easy payments for hard pay. Sax, do you buy into austerity where Chamof and I are austerity bell tightening as our trends? What's your trend for 2023 related to yours?