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To: reaper who wrote (191930)	9/14/2002 4:11:53 PM
From: yard_man	Respond to of 436258

>>i frankly find it borderline unbelievable that with all the refi activity, all the cheap credit offers, etc etc etc that retail sales are growing so slowly. and remember, those are NOMINAL growth rates, not real.<< you know I asked that question knowing you had the scoop <g> I think it is like Dr. R. says -- all the additional debt is not producing anything -- it is simply stretching things out and not stimulating new activity. If one thinks about this at all, people talking about DOW 3000 don't sound like fools any more ... Have a great weekend, man.