Sales were flat, hinting at softer consumer demand, while PPI ticked higher, keeping inflation concerns alive.

Biggest thing I see is consumers not understanding the difference between the interest rate and the cost of the interest rate. 

Kiavi, Lime One, etc.. all have active NMLS licenses even though they do not originate any consumer purpose loans. 

Is the consumer holding up?

.- Partially furnished (everything except living room and primary bedroom)- Comes with property managementTo put it bluntly, the rent being charged is higher than your average consumer can afford... $6,500/month to be exact.When I think of who might be able to afford a rental like this.

Other thing to note: I am ok with waiting a couple months to fill these vacancies, but by then it will be mid-winter (not that big a deal in Raleigh) but I understand there are probably fewer applicants during that time.She got into an accident, so she stops paying her loan?

And as corporate layoffs in October were at their highest for the month in 22 years, we have some rough waters ahead in terms of consumer discretionary spending.

We've found significantly fewer maintenance calls and neighbor or police-related complaints with graduates. 

Would you be open to sharing what your toughest or most time-consuming tasks are?

It is not productive and will ultimately hurt the consumer.