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Into Consumer Credit. Jp morgan encouraged creditors to pay down their credit card bills. That fargo pointed out they missed the lowest level in five years. The optimism about the consumer can also be seen in the Housing Market as home sales are the highest in 14 years. Record low Mortgage Rates. Enticing buyers into the market but not all buyers. Highend home sales have made the largest jump since 2013 but sales on midprice homes declined modestly. Affordable purchases are actually declining. Is totally unequal. We are seeing some sort of progress in credit. Joe this downturn or whatever are calling it, that step statistic you decided about the number of credit, all of these companies, all of these banks saying that the credit provisions are not as bad, we see deleveraging right there. Credit card balances, that white line coming in sharp. Even as available credit continues to rise. This is not what you typically expect to see. It is interesting. We got quite a few of the Bank Earning

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