(https://www.cnbc.com/2026/07/14/consumer-price-index-inflation-report-june-2026.html) to 3.5% YoY—the tape is celebrating inflation victory. But the real story is buried three paragraphs deep: (https://www.cnbc.com/2026/07/14/buy-now-pay-later-bnpl-finance-groceries-rent-and-utility-bills.html), and (https://www.marketwatch.com/story/americans-are-getting-better-at

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