And this final note. For all the pronouncements that we'd become better, smarter savers out of the financial crisis, looks like the wallets are out again. The Federal Reserve released figures today showing consumer borrowing rose in October by the largest amount in more than two years. Almost 7 percent of that was student and auto loans.

But credit card lending dropped for the 26th month in a row. The Fed survey does not count mortgage loans.

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Follow Tess Vigeland at @tessvigeland