[quote=GH]From the perspective of a small business owner, I am not seeing any improvement at all since the initial crash in 2008. Other small business owners I know have a similar experience.

I do not deny areas of the economy are improving, but my customer base which consists mainly of upper income middle class people are showing a lot of signs of distress.[/quote]

Just personal observations…it looks to me like the upper-income group fared better in the beginning of the crash, but they are now starting to feel the pain more. Seems like the lower-end has repudiated their debt in many cases, and are beginning to work their way back out of the worst of it.

Anyone else seeing something along these lines…or not?