the rise in demand--have probably played some role in these efficiency gains. But I suspect that

real investment. All this, from sound risk management. Without it, not only do we lose these gains, but we also incur

the rise in demand--have probably played some role in these efficiency gains. But I suspect that

traced to changes in spending by those households that actually experienced wealth gains. But that gap in

the higher income growth and the high level of capital gains, but those developments still

already noted, to date costs have been held in check by productivity gains. But at the