When do you anticipate consumer spending will return normalized levels in general and specifically for online retail?
Mr. Tilghman: I tend to not differ too much from the consensus economic opinion that seems to be circulating that it’s going to be a slow recovery. We have very high unemployment and we have, in my experience, a relatively unique set of variables here where the customer was faced with a lot of fear last year and then reined in their spending a little bit, but that actually was a precursor to the layoffs and unemployment numbers yet to come. Now we’re sitting here with a lot of homeowners that have minimal to no equity in their homes, near 10% unemployment, credit availability has certainly been reined in not just by the retailers themselves, but for other personal lines of credit. Especially in electronics, you’re talking about relatively high-ticket items that, in many cases, necessitate that the average consumer finance at least a portion of that purchase. So what I think we will see is a relatively stable to slightly positive holiday season, especially given some of the comparison o
