Shoppers pay for their goods during an Ann Taylor LOFT grand opening at the Chelsea Wrentham Outlet July 26, 2008 in Wrentham, Mass. Consumer borrowing was up again in December.
Shoppers pay for their goods during an Ann Taylor LOFT grand opening at the Chelsea Wrentham Outlet July 26, 2008 in Wrentham, Mass. Consumer borrowing was up again in December. - 

This final note today, which is a little bit zeitgeisty, but revealing in its own way.

So the jobs numbers have been good lately, right? And there's a tad more optimism out there, maybe? We're feeling it -- that's for sure.

The Federal Reserve told us today that consumer borrowing rose in December. Not only that -- it rose in November, too. Which is good, 'cause a borrowing consumer is a confident consumer. But it's bad too, 'cause wages aren't up much at all.

Follow Kai Ryssdal at @kairyssdal