The Consumer Stress Signal Everyone's Ignoring (https://www.marketwatch.com/story/americans-are-using-buy-now-pay-later-for-gas-and-groceries-showing-just-how-expensive-daily-necessities-are-now-25a041b3?mod=mw_rss_topstories) — that's not a discretionary credit trend, that's a solvency warning flare. Banks like $JPM and $GS have been pricing in a soft landing on strong consumer fundamentals.

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