Consumer 1
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