Louise Purtle



They say that a pessimist is an optimist in possession of all the facts. But the trouble with being a pessimist is that you often get what you expect.

It is a thought worth pondering when one considers the contrast between the behaviour of US consumers and businesses in the last few years. On the one hand consumers have been brimming with optimism, willingly borrowing 30-year debt to finance not only long-term assets such as property, but everything from boats and cars right down to the kitchen

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