Seeing increased lumber delivery the past several weeks. Even the stone/brick merchants seem to be doing business in the NYC region.

CC business seem to be heading back to the old style cost up front. Some fine print give fixed % for the life of loan, except you can't put new purchases on current debt. Competition amongst the lot should make em more honest. We have the internet now and more education, thanks to the net.

Loads of costs to come down to do business with regards to travelling to pay bills, work from PCs, etc.

Banks are offering free this and that on banking 'net transaction, instead of old style postage, cutting costs on man power, gas and miscalculation of signing checks, etc. They get to know us closer via internet.