[1rudeboy]

What's to stop people from using their homes as ATM machines this year over any other, apart from less favorable terms?

I mean, if you are CNN's target demographic (easily convinced of impending doom), and believe that our nearly six-year economic expansion is purely credit-driven . . . .

[weegee]

As opposed to the 1990s internet stock bubble.

[RobRoy]

Individual cases notwithstanding, I am talking about the general climate.

The general climate is, fugetaboutit.