Subject: Re: Dealraker made a point worth contemplating: "
It is normal to avoid thinking about the obvious. But you have a guy living in Monoco advising you on a business or even a complete life environment he's never seen or stepped into. A business that's dependent on fixed income generally very low income people making what's often impulsive/indulgent/non-essential purchases.

Any chance, if and when you can stop looking at past charts, stats, and making fun of those saying "Wait...look...", that you actually fathom the first paragraph? Stressed consumers, those expriencing these higher interest rates, actually do make logical decisions.