Consumers hop back on plastic treadmill

Shoppers are skittish in 2012
The economy may be showing signs of improvement, but consumers are still skittish about shopping, according to a recent report.

Consumers continue to unload debt
Consumer borrowing fell slightly in the third quarter as Americans continued to shed their debt burdens in the face of a struggling economy.

Lousy economy turning up in advertising
In an effort to connect with consumers, advertisers reference the struggling economy in their pitches. But there are risks.

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