Central bank's survey finds consumers' income, inflation expectations declining
U.S. consumers cut back sharply on spending in January
Lower rates needed to offset demographic, financial headwinds
Sales dropped 0.9% on a month-over-month basis: U.S. Commerce Department
Better integrating immigrants could solve productivity puzzle
Troubled consumer discretionary sector leads insolvency surge
Rise in debt led by refinancing activity among higher-rated companies
Consumer prices rose 2.7% in November from a year earlier
Filings on pace to hit highest mark since the financial crisis
Tariff threats cloud an otherwise positive North American outlook