This seemed like very good news to me today. The NY Fed released 3rd Quarter household debt numbers, and this sure looks like a turning point to me. Maybe we need to see a quarter or two of confirmation. But, my crystal ball says that forward rates have gotten a little too low again, and I would have hoped this report would have helped goose them back up a little bit. It looks like there might finally be some growth in demand for household credit. If this is a turning point, could this mean that credit demand growth will be kind of normal in 2014? Or, could we see a pendulum swing to credit growth above 4% for a couple of years?