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where where where policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy policy back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back back still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still still think think think think think think think think think think think think think think think think 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need need growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth growth billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion billion real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real real way way way way way way way way way way way way 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stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus stimulus between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between between your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your your through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through through being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being being me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me me system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system system health health health health health health health health health health health health health health health health health health 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trade trade public public public public public public public public public public public public public public public public public public public public public public public public public public public public public public public public public public public public public public july july july july july july july july july july july july july july july july july july july july july july july july july july july july july july july july july july july july july july capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital capital same same same same same same same same same same same same same same same same same same same same same same same same same same same same same same same same same same same same same same energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy energy credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit credit current current current current current current current current current current current current current current current current current current current current current current current current current current current current current current current current current current current current current say say say say say say say say say say say say say say say say say say say say say say say say say say say say say say say say say say say say say per per per per per per per per per per per per per per per per per per per per per per per per per per per per per per per per per per per per per -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal federal before before before before before before before before before before before before before before before before before before before before before before before before before before before before before before before before before before before week week week week week week week week week week week week week week week week week week week week week week week week week week week week week week week week week week week long long long long long long long long long long long long long long long long long long long long long long long long long long long long long long long long long long long us us us us us us us us us us us us us us us us us us us us us us us us us us us us us us us us us us made made made made made made made made made made made made made made made made made made made made made made made made made made made made made made made made made made point point point point point point point point point point point point point point point point point point point point point point point point point point point point point point point point point point today today today today today today today today today today today today today today today today today today today today today today today today today today today today today today today today today today post post post post post post post post post post post post post post post post post post post post post post post post post post post post post post post post post post part part part part part part part part part part part part part part part part part part part part part part part part part part part part part part part part part part know know know know know know know know know know know know know know know know know know know know know know know know know know know know know know know know know know big big big big big big big big big big big big big big big big big big big big big big big big big big big big big big big big big big second second second second second second second second second second second second second second second second second second second second second second second second second second second second second second second second second second obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama obama states states states states states states states states states states states states states states states states states states states states states states states states states states states states states states states states states june june june june june june june june june june june june june june june june june june june june june june june june june june june june june june june june june did did did did did did did did did did did did did did did did did did did did did did did did did did did did did did did did did next next next next next next next next next next next next next next next next next next next next next next next next next next next next next next next next next off off off off off off off off off off off off off off off off off off off off off off off off off off off off off off off off off few few few few few few few few few few few few few few few few few few few few few few few few few few few few few few few few few countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries countries change change change change change change change change change change change change change change change change change change change change change change change change change change change change change change change change change both both both both both both both both both both both both both both both both both both both both both both both both both both both both both both both both both crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis crisis according according according according according according according according according according according according according according according according according according according according according according according according according according according according according according according according number number number number number number number number number number number number number number number number number number number number number number number number number number number number number number number number go go go go go go go go go go go go go go go go go go go go go go go go go go go go go go go go end end end end end end end end end end end end end end end end end end end end end end end end end end end end end end end end president president president president president president president president president president president president president president president president president president president president president president president president president president president president president president president president right right right right right right right right right right right right right right right right right right right right right right right right right right right right right right right right look look look look look look look look look look look look look look look look look look look look look look look look look look look look look look look look want want want want want want want want want want want want want want want want want want want want want want want want want want want want want want want it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's it's however however however however however however however however however however however however however however however however however however however however however however however however however however however however however however however recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent recent interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest interest high high high high high high high high high high high high high high high high high high high high high high high high high high high high high high high times times times times times times times times times times times times times times times times times times times times times times times times times times times times times times times own own own own own own own own own own own own own own own own own own own own own own own own own own own own own own costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs costs power power power power power power power power power power power power power power power power power power power power power power power power power power power power power power around around around around around around around around around around around around around around around around around around around around around around around around around around around around around around rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates rates better better better better better better better better better better better better better better better better better better better better better better better better better better better better better better small small small small small small small small small small small small small small small small small small small small small small small small small small small small small small house house house house house house house house house house house house house house house house house house house house house 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without without without without without spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending spending water water water water water water water water water water water water water water water water water water water water water water water water water water water water water during during during during during during during during during during during during during during during during during during during during during during during during during during during during during case case case case case case case case case case case case case case case case case case case case case case case case case case case case case under under under under under under under under under under under under under under under under under under under under under under under under under under under under under 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higher higher higher higher higher higher higher higher says says says says says says says says says says says says says says says says says says says says says says says says says says says says recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession recession increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase increase must must must must must must must must must must must must must must must must must must must must must must must must must must must must mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr mr group group group group group group group group group group group group group group group group group group group group group group group group group group group group far far far far far far far far far far far far far far far far far far far far far far far far far far far far average average average average average average average average average average average average average average average average average average average average average average average average average average average likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely likely future future future future future future future future future future future future future future future future future future future future future future future future future future future again again again again again again again again again again again again again again again again again again again again again again again again again again again demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand demand job job job job job job job job job job job job job job job job job job job job job job job job job job job 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 information information information information information information information information information information information information information information information information information information information information information information information information information information information course course course course course course course course course course course course course course course course course course course course course course course course course course course pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay pay lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower lower care care care care care care care care care care care care care care care care care care care care care care care care care care care used used used used used used used used used used used used used used used used used used used used used used used used used used put put put put put put put put put put put put put put put put put put put put put put put put put put large large large large large large large large large large large large large large large large large large large large large large large large large large day day day day day day day day day day day day day day day day day day day day day day day day day day private private private private private private private private private private private private private private private private private private private private private private private private private private value value value value value value value value value value value value value value value value value value value value value value value value value value climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate climate problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem problem risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk risk least least least least least least least least least least least least least least least least least least least least least least least least least least little little little little little little little little little little little little little little little little little little little little little little little little little little against against against against against against against against against against against against against against against against against against against against against against against against against against news news news news news news news news news news news news news news news news news news news news news news news news news news law law law law law law law law law law law law law law law law law law law law law law law law law law three three three three three three three three three three three three three three three three three three three three three three three three three read read read read read read read read read read read read read read read read read read read read read read read read read gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp gdp china china china china china china china china china china china china china china china china china china china china china china china china china fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal fiscal international international international international international international international international international international international international international international international international international international international international international international international international international important important important important important important important important important important important important important important important important important important important important important important important important important home home home home home home home home home home home home home home home home home home home home home home home home home find find find find find find find find find find find find find find find find find find find find find find find find find national national national national national national national national national national national national national national national national national national national national national national national national national debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt debt yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet yet things things things things things things things things things things things things things things things things things things things things things things things things things something something something something something something something something something something something something something something something something something something something something something something something something something cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost cost research research research research research research research research research research research research research research research research research research research research research research research research come come come come come come come come come come come come come come come come come come come come come come come come including including including including including including including including including including including including including including including including including including including including including including including including housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing housing help help help help help help help help help help help help help help help help help help help help help help help help index index index index index index index index index index index index index index index index index index index index index index index index great great great great great great great great great great great great great great great great great great great great great great great great program program program program program program program program program program program program program program program program program program program program program program program program management management management management management management management management management management management management management management management management management management management management management management management management given given given given given given given given given given given given given given given given given given given given given given given given economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics economics don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't don't plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan plan recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery recovery example example example example example example example example example example example example example example example example example example example example example example example example companies companies companies companies companies companies companies companies companies companies companies companies companies companies companies companies companies companies companies companies companies companies companies am am am am am am am am am am am am am am am am am am am am am am am rather rather rather rather rather rather rather rather rather rather rather rather rather rather rather rather rather rather rather rather rather rather rather article article article article article article article article article article article article article article article article article article article article article article article whether whether whether whether whether whether whether whether whether whether whether whether whether whether whether whether whether whether whether whether whether whether whether lot lot lot lot lot lot lot lot lot lot lot lot lot lot lot lot lot lot lot lot lot lot lot income income income income income income income income income income income income income income income income income income income income income income income fact fact fact fact fact fact fact fact fact fact fact fact fact fact fact fact fact fact fact fact fact fact fact budget budget budget budget budget budget budget budget budget budget budget budget budget budget budget budget budget budget budget budget budget budget budget past past past past past past past past past past past past past past past past past past past past past past past american american american american american american american american american american american american american american american american american american american american american american american month month month month month month month month month month month month month month month month month month month month month month month every every every every every every every every every every every every every every every every every every every every every every every level level level level level level level level level level level level level level level level level level level level level level level her her her her her her her her her her her her her her her her her her her her her her fed fed fed fed fed fed fed fed fed fed fed fed fed fed fed fed fed fed fed fed fed fed production production production production production production production production production production production production production production production production production production production production production production political political political political political political political political political political political political political political political political political political political political political political best best best best best best best best best best best best best best best best best best best best best best actually actually actually actually actually actually actually actually actually actually actually actually actually actually actually actually actually actually actually actually actually actually she she she she she she she she she she she she she she she she she she she she she she among among among among among among among among among among among among among among among among among among among among among among set set set set set set set set set set set set set set set set set set set set set set seems seems seems seems seems seems seems seems seems seems seems seems seems seems seems seems seems seems seems seems seems seems 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 though though though though though though though though though though though though though though though though though though though though though though each each each each each each each each each each each each each each each each each each each each each each assets assets assets assets assets assets assets assets assets assets assets assets assets assets assets assets assets assets assets assets assets assets different different different different different different different different different different different different different different different different different different different different different asset asset asset asset asset asset asset asset asset asset asset asset asset asset asset asset asset asset asset asset asset services services services services services services services services services services services services services services services services services services services services services enough enough enough enough enough enough enough enough enough enough enough enough enough enough enough enough enough enough enough enough enough above above above above above above above above above above above above above above above above above above above above above already already already already already already already already already already already already already already already already already already already already already almost almost almost almost almost almost almost almost almost almost almost almost almost almost almost almost almost almost almost almost almost low low low low low low low low low low low low low low low low low low low low low below below below below below below below below below below below below below below below below below below below below below country country country country country country country country country country country country country country country country country country country country country trading trading trading trading trading trading trading trading trading trading trading trading trading trading trading trading trading trading trading trading until until until until until until until until until until until until until until until until until until until until economists economists economists economists economists economists economists economists economists economists economists economists economists economists economists economists economists economists economists economists claims claims claims claims claims claims claims claims claims claims claims claims claims claims claims claims claims claims claims claims support support support support support support support support support support support support support support support support support support support support social social social social social social social social social social social social social social social social social social social social major major major major major major major major major major major major major major major major major major major major development development development development development development development development development development development development development development development development development development development development central central central central central central central central central central central central central central central central central central central central short short short short short short short short short short short short short short short short short short short short expected expected expected expected expected expected expected expected expected expected expected expected expected expected expected expected expected expected expected expected 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 give give give give give give give give give give give give give give give give give give give give question question question question question question question question question question question question question question question question question question question question points points points points points points points points points points points points points points points points points points points points funds funds funds funds funds funds funds funds funds funds funds funds funds funds funds funds funds funds funds funds wall wall wall wall wall wall wall wall wall wall wall wall wall wall wall wall wall wall wall wall free free free free free free free free free free free free free free free free free free free free united united united united united united united united united united united united united united united united united united united united consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer consumer bill bill bill bill bill bill bill bill bill bill bill bill bill bill bill bill bill bill bill bill inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation inflation analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis analysis result result result result result result result result result result result result result result result result result result result process process process process process process process process process process process process process process process process process process process administration administration administration administration administration administration administration administration administration administration administration administration administration administration administration administration administration administration administration total total total total total total total total total total total total total total total total total total total general general general general general general general general general general general general general general general general general general general based based based based based based based based based based based based based based based based based based based doing doing doing doing doing doing doing doing doing doing doing doing doing doing doing doing doing doing doing place place place place place place place place place place place place place place place place place place place service service service service service service service service service service service service service service service service service service service making making making making making making making making making making making making making making making making making making making half half half half half half half half half half half half half half half half half half half means means means means means means means means means means means means means means means means means means means loans loans loans loans loans loans loans loans loans loans loans loans loans loans loans loans loans loans loans quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter quarter fund fund fund fund fund fund fund fund fund fund fund fund fund fund fund fund fund fund fund fall fall fall fall fall fall fall fall fall fall fall fall fall fall fall fall fall fall fall using using using using using using using using using using using using using using using using using using street street street street street street street street street street street street street street street street street street bad bad bad bad bad bad bad bad bad bad bad bad bad bad bad bad bad bad investors investors investors investors investors investors investors investors investors investors investors investors investors investors investors investors investors investors stock stock stock stock stock stock stock stock stock stock stock stock stock stock stock stock stock stock mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage mortgage continue continue continue continue continue continue continue continue continue continue continue continue continue continue continue continue continue continue believe believe believe believe believe believe believe believe believe believe believe believe believe believe believe believe believe believe story story story story story story story story story story story story story story story story story story never never never never never never never never never never never never never never never never never never full full full full full full full full full full full full full full full full full full paper paper paper paper paper paper paper paper paper paper paper paper paper paper paper paper paper paper monetary monetary monetary monetary monetary monetary monetary monetary monetary monetary monetary monetary monetary monetary monetary monetary monetary monetary keep keep keep keep keep keep keep keep keep keep keep keep keep keep keep keep keep keep model model model model model model model model model model model model model model model model model model issue issue issue issue issue issue issue issue issue issue issue issue issue issue issue issue issue issue increased increased increased increased increased increased increased increased increased increased increased increased increased increased increased increased increased increased 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 industry industry industry industry industry industry industry industry industry industry industry industry industry industry industry industry industry industry having having having having having having having having having having having having having having having having having having california california california california california california california california california california california california california california california california california california simply simply simply simply simply simply simply simply simply simply simply simply simply simply simply simply simply simply rise rise rise rise rise rise rise rise rise rise rise rise rise rise rise rise rise rise population population population population population population population population population population population population population population population population population population gas gas gas gas gas gas gas gas gas gas gas gas gas gas gas gas gas gas effect effect effect effect effect effect effect effect effect effect effect effect effect effect effect effect effect effect north north north north north north north north north north north north north north north north north north start start start start start start start start start start start start start start start start start start show show show show show show show show show show show show show show show show show show due due due due due due due due due due due due due due due due due due 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 university university university university university university university university university university university university university university university university university him him him him him him him him him him him him him him him him him decline decline decline decline decline decline decline decline decline decline decline decline decline decline decline decline decline ago ago ago ago ago ago ago ago ago ago ago ago ago ago ago ago ago book book book book book book book book book book book book book book book book book benefits benefits benefits benefits benefits benefits benefits benefits benefits benefits benefits benefits benefits benefits benefits benefits benefits workers workers workers workers workers workers workers workers workers workers workers workers workers workers workers workers workers makes makes makes makes makes makes makes makes makes makes makes makes makes makes makes makes makes cut cut cut cut cut cut cut cut cut cut cut cut cut cut cut cut cut available available available available available available available available available available available available available available available available available firms firms firms firms firms firms firms firms firms firms firms firms firms firms firms firms firms study study study study study study study study study study study study study study study study study run run run run run run run run run run run run run run run run run evidence evidence evidence evidence evidence evidence evidence evidence evidence evidence evidence evidence evidence evidence evidence evidence evidence done done done done done done done done done done done done done done done done done days days days days days days days days days days days days days days days days days amount amount amount amount amount amount amount amount amount amount amount amount amount amount amount amount amount often often often often often often often often often often often often often often often often often seen seen seen seen seen seen seen seen seen seen seen seen seen seen seen seen seen taxes taxes taxes taxes taxes taxes taxes taxes taxes taxes taxes taxes taxes taxes taxes taxes taxes reason reason reason reason reason reason reason reason reason reason reason reason reason reason reason reason reason local local local local local local local local local local local local local local local local local able able able able able able able able able able able able able able able able able john john john john john john john john john john john john john john john john john thing thing thing thing thing thing thing thing thing thing thing thing thing thing thing thing found found found found found found found found found found found found found found found found early early early early early early early early early early early early early early early early balance balance balance balance balance balance balance balance balance balance balance balance balance balance balance balance war war war war war war war war war war war war war war war war top top top top top top top top top top top top top top top top once once once once once once once once once once once once once once once once needs needs needs needs needs needs needs needs needs needs needs needs needs needs needs needs clear clear clear clear clear clear clear clear clear clear clear clear clear clear clear clear become become become become become become become become become become become become become become become become annual annual annual annual annual annual annual annual annual annual annual annual annual annual annual annual 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treasury treasury treasury treasury treasury treasury treasury treasury treasury treasury treasury treasury treasury treasury treasury strong strong strong strong strong strong strong strong strong strong strong strong strong strong strong strong sector sector sector sector sector sector sector sector sector sector sector sector sector sector sector sector firm firm firm firm firm firm firm firm firm firm firm firm firm firm firm firm either either either either either either either either either either either either either either either either dollar dollar dollar dollar dollar dollar dollar dollar dollar dollar dollar dollar dollar dollar dollar dollar buy buy buy buy buy buy buy buy buy buy buy buy buy buy buy buy probably probably probably probably probably probably probably probably probably probably probably probably probably probably probably probably online online online online online online online online online online online online online online online online natural natural natural natural natural natural natural natural natural natural natural natural natural natural natural natural instead instead instead instead instead instead instead instead instead instead instead instead instead instead instead instead hard hard hard hard hard hard hard hard hard hard hard hard hard hard hard hard basis basis basis basis basis basis basis basis basis basis basis basis basis basis basis basis shows shows shows shows shows shows shows shows shows shows shows shows shows shows shows shows problems problems problems problems problems problems problems problems problems problems problems problems problems problems problems problems earlier earlier earlier earlier earlier earlier earlier earlier earlier earlier earlier earlier earlier earlier earlier earlier — — — — — — — — — — — — — — — — key key key key key key key key key key key key key key key key fuel fuel fuel fuel fuel fuel fuel fuel fuel fuel fuel fuel fuel fuel fuel fuel employment employment employment 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reports reports reports reports reports insurance insurance insurance insurance insurance insurance insurance insurance insurance insurance insurance insurance insurance insurance insurance deal deal deal deal deal deal deal deal deal deal deal deal deal deal deal securities securities securities securities securities securities securities securities securities securities securities securities securities securities securities expect expect expect expect expect expect expect expect expect expect expect expect expect expect expect thought thought thought thought thought thought thought thought thought thought thought thought thought thought thought losses losses losses losses losses losses losses losses losses losses losses losses losses losses losses fell fell fell fell fell fell fell fell fell fell fell fell fell fell fell chart chart chart chart chart chart chart chart chart chart chart chart chart chart chart terms terms terms terms terms terms terms terms terms terms terms terms terms terms terms following following following following following following following following following following following following following following following term term term term term term term term term term term term term term term role role role role role role role role role role role role role role role consumers consumers consumers consumers consumers consumers consumers consumers consumers consumers consumers consumers consumers consumers consumers changes changes changes changes changes changes changes changes changes changes changes changes changes changes changes rising rising rising rising rising rising rising rising rising rising rising rising rising rising rising order order order order order order order order order order order order order order order numbers numbers numbers numbers numbers numbers numbers numbers numbers numbers numbers numbers numbers numbers numbers nothing nothing nothing nothing nothing nothing nothing nothing nothing nothing nothing nothing nothing nothing nothing comes comes comes comes comes comes comes comes comes comes comes comes comes comes comes businesses businesses businesses businesses businesses businesses businesses businesses businesses businesses businesses businesses businesses businesses businesses others others others others others others others others others others others others others others others levels levels levels levels levels levels levels levels levels levels levels levels levels levels levels office office office office office office office office office office office office office office note note note note note note note note note note note note note note got got got got got got got got got got got got got got congress congress congress congress congress congress congress congress congress congress congress congress congress congress several several several several several several several several several several several several several several record record record record record record record record record record record record record record possible possible possible possible possible possible possible possible possible possible possible possible possible possible finance finance finance finance finance finance finance finance finance finance finance finance finance finance corporate corporate corporate corporate corporate corporate corporate corporate corporate corporate corporate corporate corporate corporate line line line line line line line line line line line line line line labor labor labor labor labor labor labor labor labor labor labor labor labor labor getting getting getting getting getting getting getting getting getting getting getting getting getting getting bloomberg bloomberg bloomberg bloomberg bloomberg bloomberg bloomberg bloomberg bloomberg bloomberg bloomberg bloomberg bloomberg bloomberg bit bit bit bit bit bit bit bit bit bit bit bit bit bit true true true true true true true true true true true true true true supply supply supply supply supply supply supply supply supply supply supply supply supply supply move move move move move move move move move move move move move move further further further further further further further further further further further further further further department department department department department department department department department department department department department department consider consider consider consider consider consider consider consider consider consider consider consider consider consider bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy bankruptcy working working working working working working working working working working working working working working carbon carbon carbon carbon carbon carbon carbon carbon carbon carbon carbon carbon carbon carbon although although although although although although although although although although although although although although period period period period period period period period period period period period period period technology technology technology technology technology technology technology technology technology technology technology technology technology technology sense sense sense sense sense sense sense sense sense sense sense sense sense sense 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 seem seem seem seem seem seem seem seem seem seem seem seem seem seem equity equity equity equity equity equity equity equity equity equity equity equity equity equity commercial commercial commercial commercial commercial commercial commercial commercial commercial commercial commercial commercial commercial commercial 4 4 4 4 4 4 4 4 4 4 4 4 4 4 board board board board board board board board board board board board board board theory theory theory theory theory theory theory theory theory theory theory theory theory theory pretty pretty pretty pretty pretty pretty pretty pretty pretty pretty pretty pretty pretty pretty let let let let let let let let let let let let let let control control control control control control control control control control control control control control uk uk uk uk uk uk uk uk uk uk uk uk uk share share share share share share share share share share share share share institutions institutions institutions institutions institutions institutions institutions institutions institutions institutions institutions institutions institutions life life life life life life life life life life life life life itself itself itself itself itself itself itself itself itself itself itself itself itself away away away away away away away away away away away away away mean mean mean mean mean mean mean mean mean mean mean mean mean longer longer longer longer longer longer longer longer longer longer longer longer longer latest latest latest latest latest latest latest latest latest latest latest latest latest impact impact impact impact impact impact impact impact impact impact impact impact impact date date date date date date date date date date date date date told told told told told told told told told told told told told reduce reduce reduce reduce reduce reduce reduce reduce reduce reduce reduce reduce reduce old old old old old old old old old old old old old list list list list list list list list list list list list list gold gold gold gold gold gold gold gold gold gold gold gold gold open open open open open open open open open open open open open issues issues issues issues issues issues issues issues issues issues issues issues issues deficit deficit deficit deficit deficit deficit deficit deficit deficit deficit deficit deficit deficit thus thus thus thus thus thus thus thus thus thus thus thus thus security security security security security security security security security security security security security quite quite quite quite quite quite quite quite quite quite quite quite quite paul paul paul paul paul paul paul paul paul paul paul paul paul former former former former former former former former former former former former former face face face face face face face face face face face face face developing developing developing developing developing developing developing developing developing developing developing developing developing compared compared compared compared compared compared compared compared compared compared compared compared compared policies policies policies policies policies policies policies policies policies policies policies policies policies plans plans plans plans plans plans plans plans plans plans plans plans plans 12 12 12 12 12 12 12 12 12 12 12 12 12 washington washington washington washington washington washington washington washington washington washington washington washington washington journal journal journal journal journal journal journal journal journal journal journal journal journal goods goods goods goods goods goods goods goods goods goods goods goods goods european european european european european european european european european european european european european economies economies economies economies economies economies economies economies economies economies economies economies economies biggest biggest biggest biggest biggest biggest biggest biggest biggest biggest biggest biggest biggest 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 2010 white white white white white white white white white white white white white recently recently recently recently recently recently recently recently recently recently recently recently recently loan loan loan loan loan loan loan loan loan loan loan loan loan city city city city city city city city city city city city city similar similar similar similar similar similar similar similar similar similar similar similar human human human human human human human human human human human human form form form form form form form form form form form form senate senate senate senate senate senate senate senate senate senate senate senate percentage percentage percentage percentage percentage percentage percentage percentage percentage percentage percentage percentage march march march march march march march march march march march march greater greater greater greater greater greater greater greater greater greater greater greater four four four four four four four four four four four four food food food food food food food food food food food food despite despite despite despite despite despite despite despite despite despite despite despite coming coming coming coming coming coming coming coming coming coming coming coming chief chief chief chief chief chief chief chief chief chief chief chief whole whole whole whole whole whole whole whole whole whole whole whole saying saying saying saying saying saying saying saying saying saying saying saying later later later later later later later later later later later later across across across across across across across across across across across across wrong wrong wrong wrong wrong wrong wrong wrong wrong wrong wrong wrong that's that's that's that's that's that's that's that's that's that's that's that's previous previous previous previous previous previous previous previous previous previous previous previous package package package package package package package package package package package package indeed indeed indeed indeed indeed indeed indeed indeed indeed indeed indeed indeed cannot cannot cannot cannot cannot cannot cannot cannot cannot cannot cannot cannot call call call call call call call call call call call call account account account account account account account account account account account account 20 20 20 20 20 20 20 20 20 20 20 20 review review review review review review review review review review review review results results results results results results results results results results results results google google google google google 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bid bid "the "the "the "the "the "the "the "the "the "the "the "the robert robert robert robert robert robert robert robert robert robert robert robert project project project project project project project project project project project project poor poor poor poor poor poor poor poor poor poor poor poor man man man man man man man man man man man man looks looks looks looks looks looks looks looks looks looks looks looks left left left left left left left left left left left left late late late late late late late late late late late late head head head head head head head head head head head head goldman goldman goldman goldman goldman goldman goldman goldman goldman goldman goldman goldman create create create create create create create create create create create create consumption consumption consumption consumption consumption consumption consumption consumption consumption consumption consumption consumption close close close close close close close close close close close close access access access access access access access access access access access access green green green green green green green green green green green green effects effects effects effects effects effects effects effects effects effects effects effects negative negative negative negative negative negative negative negative negative negative negative hit hit hit hit hit hit hit hit hit hit hit europe europe europe europe europe europe europe europe europe europe europe act act act act act act act act act act act went went went went went went went went went went went present present present present present present present present present present present position position position position position position position position position position position piece piece piece piece piece piece piece piece piece piece piece payments payments payments payments payments payments payments payments payments payments payments kind kind kind kind kind kind kind kind kind kind kind it’s it’s it’s it’s it’s it’s it’s it’s it’s it’s it’s discussion discussion discussion discussion discussion discussion discussion discussion discussion discussion discussion david david david david david david david david david david david area area area area area area area area area area area 5 5 5 5 5 5 5 5 5 5 5 tell tell tell tell tell tell tell tell tell tell tell sell sell sell sell sell sell sell sell sell sell sell revenue revenue revenue revenue revenue revenue revenue revenue revenue revenue revenue questions questions questions questions questions questions questions questions questions questions questions performance performance performance performance performance performance performance performance performance performance performance net net net net net net net net net net net certainly certainly certainly certainly certainly certainly certainly certainly certainly certainly certainly worth worth worth worth worth worth worth worth worth worth worth worse worse worse worse worse worse worse worse worse worse worse soon soon soon soon soon soon soon soon soon soon soon side side side side side side side side side side side nations nations nations nations nations nations nations nations nations nations nations largest largest largest largest largest largest largest largest largest largest largest larger larger larger larger larger larger larger larger larger larger larger drop drop drop drop drop drop drop drop drop drop drop behind behind behind behind behind behind behind behind behind behind behind " " " " " " " " " " " simple simple simple simple simple simple simple simple simple simple simple overall overall overall overall overall overall overall overall overall overall overall nearly nearly nearly nearly nearly nearly nearly nearly nearly nearly nearly maybe maybe maybe maybe maybe maybe maybe maybe maybe maybe maybe areas areas areas areas areas areas areas areas areas areas areas & & & & & & & & & & & additional additional additional additional additional additional additional additional additional additional additional third third third third third third third third third third third someone someone someone someone someone someone someone someone someone someone someone professor professor professor professor professor professor professor professor professor professor professor came came came came came came came came came came came turn turn turn turn turn turn turn turn turn turn turn talk talk talk talk talk talk talk talk talk talk talk stop stop stop stop stop stop stop stop stop stop stop standard standard standard standard standard standard standard standard standard standard standard science science science science science science science science science science science product product product product product product product product product product product japan japan japan japan japan japan japan japan japan japan japan education education education education education education education education education education education dollars dollars dollars dollars dollars dollars dollars dollars dollars dollars dollars debate debate debate debate debate debate debate debate debate debate debate certain certain certain certain certain certain certain certain certain certain certain anything anything anything anything anything anything anything anything anything anything anything words words words words words words words words words words words wealth wealth wealth wealth wealth wealth wealth wealth wealth wealth wealth needed needed needed needed needed needed needed needed needed needed needed individual individual individual individual individual individual individual individual individual individual individual focus focus focus focus focus focus focus focus focus focus focus chinese chinese chinese chinese chinese chinese chinese chinese chinese chinese chinese can't can't can't can't can't can't can't can't can't can't can't history history history history history history history history history history history gets gets gets gets gets gets gets gets gets gets gets america america america america america america america america america america america yesterday yesterday yesterday yesterday yesterday yesterday yesterday yesterday yesterday yesterday yesterday stocks stocks stocks stocks stocks stocks stocks stocks stocks stocks stocks spend spend spend spend spend spend spend spend spend spend spend resources resources resources resources resources resources resources resources resources resources resources required required required required required required required required required required required reading reading reading reading reading reading reading reading reading reading reading paid paid paid paid paid paid paid paid paid paid paid individuals individuals individuals individuals individuals individuals individuals individuals individuals individuals individuals don’t don’t don’t don’t don’t don’t don’t don’t don’t don’t don’t ask ask ask ask ask ask ask ask ask ask ask officials officials officials officials officials officials officials officials officials officials “the “the “the “the “the “the “the “the “the “the series series series series series series series series series series appears appears appears appears appears appears appears appears appears appears size size size size size size size size size size regulation regulation regulation regulation regulation regulation regulation regulation regulation regulation lost lost lost lost lost lost lost lost lost lost held held held held held held held held held held growing growing growing growing growing growing growing growing growing growing difficult difficult difficult difficult difficult difficult difficult difficult difficult difficult don’t don’t don’t don’t don’t don’t don’t don’t don’t don’t version version version version version version version version version version themselves themselves themselves themselves themselves themselves themselves themselves themselves themselves taken taken taken taken taken taken taken taken taken taken started started started started started started started started started started matter matter matter matter matter matter matter matter matter matter industrial industrial industrial industrial industrial industrial industrial industrial industrial industrial clearly clearly clearly clearly clearly clearly clearly clearly clearly clearly chairman chairman chairman chairman chairman chairman chairman chairman chairman chairman anyone anyone anyone anyone anyone anyone anyone anyone anyone anyone six six six six six six six six six six rose rose rose rose rose rose rose rose rose rose rest rest rest rest rest rest rest rest rest rest quality quality quality quality quality quality quality quality quality quality property property property property property property property property property property particularly particularly particularly particularly particularly particularly particularly particularly particularly particularly include include include include include include include include include include exports exports exports exports exports exports exports exports exports exports doesn't doesn't doesn't doesn't doesn't doesn't doesn't doesn't doesn't doesn't derivatives derivatives derivatives derivatives derivatives derivatives derivatives derivatives derivatives derivatives comments comments comments comments comments comments comments comments comments comments 8 8 8 8 8 8 8 8 8 8 15 15 15 15 15 15 15 15 15 15 situation situation situation situation situation situation situation situation situation situation relative relative relative relative relative relative relative relative relative relative mind mind mind mind mind mind mind mind mind mind members members members members members members members members members members hand hand hand hand hand hand hand hand hand hand evaluated evaluated evaluated evaluated evaluated evaluated evaluated evaluated evaluated evaluated currency currency currency currency currency currency currency currency currency currency aid aid aid aid aid aid aid aid aid aid regulatory regulatory regulatory regulatory regulatory regulatory regulatory regulatory regulatory regulatory personal personal personal personal personal personal personal personal personal personal notes notes notes notes notes notes notes notes notes notes hold hold hold hold hold hold hold hold hold hold futures futures futures futures futures futures futures futures futures futures decisions decisions decisions decisions decisions decisions decisions decisions decisions decisions trillion trillion trillion trillion trillion trillion trillion trillion trillion trillion lending lending lending lending lending lending lending lending lending lending funding funding funding funding funding funding funding funding funding funding decision decision decision decision decision decision decision decision decision decision contract contract contract contract contract contract contract contract contract contract conditions conditions conditions conditions conditions conditions conditions conditions conditions conditions committee committee committee committee committee committee committee committee committee committee americans americans americans americans americans americans americans americans americans americans summer summer summer summer summer summer summer summer summer summer posted posted posted posted posted posted posted posted posted posted output output output output output output output output output output loss loss loss loss loss loss loss loss loss loss long-term long-term long-term long-term long-term long-term long-term long-term long-term long-term land land land land land land land land land land ious ious ious ious ious ious ious ious ious ious goes goes goes goes goes goes goes goes goes goes domestic domestic domestic domestic domestic domestic domestic domestic domestic domestic conference conference conference conference conference conference conference conference conference conference ytw ytw ytw ytw ytw ytw ytw ytw ytw increasing increasing increasing increasing increasing increasing increasing increasing increasing feel feel feel feel feel feel feel feel feel difference difference difference difference difference difference difference difference difference bid-ytw bid-ytw bid-ytw bid-ytw bid-ytw bid-ytw bid-ytw bid-ytw bid-ytw allow allow allow allow allow allow allow allow allow trend trend trend trend trend trend trend trend trend takes takes takes takes takes takes takes takes takes running running running running running running running running running response response response response response response response response response relatively relatively relatively relatively relatively relatively relatively relatively relatively press press press press press press press press press particular particular particular particular particular particular particular particular particular minimum minimum minimum minimum minimum minimum minimum minimum minimum michael michael michael michael michael michael michael michael michael hope hope hope hope hope hope hope hope hope failed failed failed failed failed failed failed failed failed everyone everyone everyone everyone everyone everyone everyone everyone everyone currently currently currently currently currently currently currently currently currently approach approach approach approach approach approach approach approach approach added added added added added added added added added reform reform reform reform reform reform reform reform reform raise raise raise raise raise raise raise raise raise media media media media media media media media media developed developed developed developed developed developed developed developed developed survey survey survey survey survey survey survey survey survey source source source source source source source source source remain remain remain remain remain remain remain remain remain released released released released released released released released released please please please please please please please please please morgan morgan morgan morgan morgan morgan morgan morgan morgan measures measures measures measures measures measures measures measures measures january january january january january january january january january internet internet internet internet internet internet internet internet internet court court court court court court court court court bottom bottom bottom bottom bottom bottom bottom bottom bottom along along along along along along along along along written written written written written written written written written web web web web web web web web web understand understand understand understand understand understand understand understand understand try try try try try try try try try south south south south south south south south south society society society society society society society society society led led led led led led led led led democrats democrats democrats democrats democrats democrats democrats democrats democrats benefit benefit benefit benefit benefit benefit benefit benefit benefit asked asked asked asked asked asked asked asked asked vehicles vehicles vehicles vehicles vehicles vehicles vehicles vehicles vehicles thinking thinking thinking thinking thinking thinking thinking thinking thinking peak peak peak peak peak peak peak peak peak initial initial initial initial initial initial initial initial initial falling falling falling falling falling falling falling falling falling else else else else else else else else else easy easy easy easy easy easy easy easy easy bonds bonds bonds bonds bonds bonds bonds bonds bonds addition addition addition addition addition addition addition addition addition add add add add add add add add add actual actual actual actual actual actual actual actual actual 6 6 6 6 6 6 6 6 6 spent spent spent spent spent spent spent spent spent reported reported reported reported reported reported reported reported reported la la la la la la la la la environmental environmental environmental environmental environmental environmental environmental environmental environmental various various various various various various various various various took took took took took took took took took site site site site site site site site site shares shares shares shares shares shares shares shares shares require require require require require require require require require range range range range range range range range range politics politics politics politics politics politics politics politics politics noted noted noted noted noted noted noted noted noted estimates estimates estimates estimates estimates estimates estimates estimates estimates environment environment environment environment environment environment environment environment environment class class class class class class class class class argument argument argument argument argument argument argument argument argument save save save save save save save save save monthly monthly monthly monthly monthly monthly monthly monthly monthly medical medical medical medical medical medical medical medical medical main main main main main main main main main leading leading leading leading leading leading leading leading leading infrastructure infrastructure infrastructure infrastructure infrastructure infrastructure infrastructure infrastructure infrastructure force force force force force force force force force ways ways ways ways ways ways ways ways ways together together together together together together together together together statement statement statement statement statement statement statement statement statement selling selling selling selling selling selling selling selling selling proposed proposed proposed proposed proposed proposed proposed proposed proposed isn't isn't isn't isn't isn't isn't isn't isn't isn't everything everything everything everything everything everything everything everything everything didn't didn't didn't didn't didn't didn't didn't didn't didn't daily daily daily daily daily daily daily daily daily action action action action action action action action action + + + + + + + + + wsj wsj wsj wsj wsj wsj wsj wsj wage wage wage wage wage wage wage wage volatility volatility volatility volatility volatility volatility volatility volatility subject subject subject subject subject subject subject subject sometimes sometimes sometimes sometimes sometimes sometimes sometimes sometimes measure measure measure measure measure measure measure measure mark mark mark mark mark mark mark mark leaders leaders leaders leaders leaders leaders leaders leaders it’s it’s it’s it’s it’s it’s it’s it’s india india india india india india india india french french french french french french french french failure failure failure failure failure failure failure failure canada canada canada canada canada canada canada canada upon upon upon upon upon upon upon upon therefore therefore therefore therefore therefore therefore therefore therefore reduction reduction reduction reduction reduction reduction reduction reduction published published published published published published published published person person person person person person person person offer offer offer offer offer offer offer offer governments governments governments governments governments governments governments governments family family family family family family family family experience experience experience experience experience experience experience experience existing existing existing existing existing existing existing existing executive executive executive executive executive executive executive executive exactly exactly exactly exactly exactly exactly exactly exactly emerging emerging emerging emerging emerging emerging emerging emerging december december december december december december december december created created created created created created created created west west west west west west west west wants wants wants wants wants wants wants wants team team team team team team team team reuters reuters reuters reuters reuters reuters reuters reuters live live live live live live live live link link link link link link link link happen happen happen happen happen happen happen happen generally generally generally generally generally generally generally generally forecast forecast forecast forecast forecast forecast forecast forecast etc etc etc etc etc etc etc etc effort effort effort effort effort effort effort effort d d d d d d d d car car car car car car car car beginning beginning beginning beginning beginning beginning beginning beginning agency agency agency agency agency agency agency agency ability ability ability ability ability ability ability ability 2006 2006 2006 2006 2006 2006 2006 2006 100 100 100 100 100 100 100 100 russia russia russia russia russia russia russia russia readers readers readers readers readers readers readers readers play play play play play play play play outside outside outside outside outside outside outside outside military military military military military military military military manufacturing manufacturing manufacturing manufacturing manufacturing manufacturing manufacturing manufacturing legal legal legal legal legal legal legal legal krugman krugman krugman krugman krugman krugman krugman krugman century century century century century century century century beyond beyond beyond beyond beyond beyond beyond beyond apparently apparently apparently apparently apparently apparently apparently apparently announced announced announced announced announced announced announced announced willing willing willing willing willing willing willing willing values values values values values values values values produced produced produced produced produced produced produced produced party party party party party party party party outlook outlook outlook outlook outlook outlook outlook outlook necessary necessary necessary necessary necessary necessary necessary necessary morning morning morning morning morning morning morning morning hedge hedge hedge hedge hedge hedge hedge hedge friday friday friday friday friday friday friday friday college college college college college college college college cars cars cars cars cars cars cars cars capacity capacity capacity capacity capacity capacity capacity capacity bring bring bring bring bring bring bring bring avoid avoid avoid avoid avoid avoid avoid avoid answer answer answer answer answer answer answer answer agree agree agree agree agree agree agree agree 9 9 9 9 9 9 9 9 50 50 50 50 50 50 50 50 yes yes yes yes yes yes yes yes wind wind wind wind wind wind wind wind systems systems systems systems systems systems systems systems search search search search search search search search legislation legislation legislation legislation legislation legislation legislation legislation charge charge charge charge charge charge charge charge single single single single single single single single russian russian russian russian russian russian russian russian rule rule rule rule rule rule rule rule projects projects projects projects projects projects projects projects programs programs programs programs programs programs programs programs mortgages mortgages mortgages mortgages mortgages mortgages mortgages mortgages majority majority majority majority majority majority majority majority imports imports imports imports imports imports imports imports goal goal goal goal goal goal goal goal employees employees employees employees employees employees employees employees competition competition competition competition competition competition competition competition common common common common common common common common 30 30 30 30 30 30 30 30                 there's there's there's there's there's there's there's there's suggests suggests suggests suggests suggests suggests suggests suggests saw saw saw saw saw saw saw saw reasons reasons reasons reasons reasons reasons reasons reasons prior prior prior prior prior prior prior prior payment payment payment payment payment payment payment payment official official official official official official official official huge huge huge huge huge huge huge huge homes homes homes homes homes homes homes homes contracts contracts contracts contracts contracts contracts contracts contracts capita capita capita capita capita capita capita capita building building building building building building building building build build build build build build build build begin begin begin begin begin begin begin begin bankers bankers bankers bankers bankers bankers bankers bankers adjusted adjusted adjusted adjusted adjusted adjusted adjusted adjusted toward toward toward toward toward toward toward toward step step step step step step step step statistics statistics statistics statistics statistics statistics statistics statistics risks risks risks risks risks risks risks risks retail retail retail retail retail retail retail retail remember remember remember remember remember remember remember remember