All these have good and positive effects. It is noticeable at the shops these, how people are thinning compared to last year. It is affecting the retailers and the economy but at the same time, it means people are saving or paying off debt - saving for the rainy days and maybe to spend on Blue Cross Blue Shield NC when it is the right time. I'm half-way in between... NOBODY predicted the slowdown in consumer spending as Australia bounced back from the global financial crisis and no one has great confidence in forecasting how long it will endure.The...