The US retail outlook remains weak

A number of indicators seem to point to a relatively weak holiday shopping season in the US. In particular, the Gallup survey index that estimates holiday spending has turned lower. And consumer sentiment peaked this summer and has been…

When are markets “rational”?

To me, much of the argument about whether or not markets are efficient misses the point. There are conditions, it seems, under which markets seem to do a great job of managing risk, keeping the cost of capital reasonable, and allocating…

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