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Credit Risk
Perceived stability key to consumer patterns
Recent security breaches should not come as a surprise
Cold, low income growth, and less government aid play parts
Consumers look like a better bet
SNL Report: Single-family construction credit returning
Confusing insider’s jargon can hurt
Learning by listening, and talking
Have regulators spotted major challenge?
SNL Report: Credit quality remains a positive, but its benefits could fade
 “By the book” avoids headaches and heartaches
Page 5 of 11

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