"As retailers close stores in an effort to improve profitability over the coming years, the trend will put upward pressure on private label charge-offs..."
http://www.zerohedge.com/news/2017-06-28/moodys-warns-private-label-credit-card-issuers-will-be-crushed-retail-implosion

Realist - Everybody in America is soft, and hates conflict. The cure for this, both in politics and social life, is the same -- hardihood. Give them raw truth.