The credit cycle is now turning down

I am now stuffed with Turkey after days sitting around eating for the Thanksgiving holiday here in the US. Today is Black Friday, the biggest day of the year for retail sales. And so it makes sense to write this newsletter post today. I have had this post teed up since Monday. But I just wasn't able to get it out because of the Thanksgiving holiday here in the US. I also have a review of Jonathan Tepper's new book coming out next week called "

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