The consumer really needs to wake up! Guys please do not think that the economy is shaping up and that jobs are going to be created. The businesses in America are growing and they are expanding. Wall Street and the indices have grown and seem to be doing well. This does not mean you will do well! Spending is up because of confidence in the market but a critical and or rational person for that matter will see that GDP is not growing fast enough to support the employment rate.