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To: Mark Adams who wrote (207363)	11/30/2002 4:22:52 PM
From: Mark Adams	Read Replies (1) \| Respond to of 436258

Savings as % of Disposable Income at decade high tweisel.com See Second Chart, page 3 While it appears the widespread belief that consumer finances are in dire shape, they have in fact substantially added to their stock of savings—owing to strong disposable income gains, while doing a decent job at managing their credit growth through 2002. Consumers’ “net savings” have risen by nearly 12% versus a year ago, adding a potential source of consumption should they find their rebounding incomes inadequate.