Basically, the consumer will hang in there. Unless there's some kind of a major problem, the consumer tends to be more passive and will continue to spend if credit is available.

It shows a relatively healthy sales picture. The question is how will the consumer react when oil prices filter through the rest of the economy.

Consumer spending has remained relatively robust into 2006.

The consumer is still very cautious. There was underlying softness in November. It increases the worry about the holiday as a whole.