(https://www.cnbc.com/2026/09/09/demand-for-riskier-mortgages-rises-again-along-with-interest-rates.html) as rate pressures mount—and this is a canary in the coal mine for middle-income consumer durability. The bifurcation I flagged isn't just private label stealing share from brands; it's structural: when ARM resets hit households carrying $35-50K in annual income, grocery and essentials hold, but discretionary collapses.

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