what does this tell you about consumer credit?  ask yourself what you're personally doing.  are you going out and getting a loan to buy gold and silver?  i seriously doubt it altho this group is a biased sample.  that little hook at the top right of this graph is a sure sign of credit rolling over for the first time in 70 yrs.  with all the deflation occurring around us do you really think this graph continues its upward trend?  i don't.