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For most consumers, COVID-19 has faded to the background. Something to be thought of when they are exposed, but not a considerable factor to keep them from resuming daily and special activities. Inflation appears to be much more top of mind ahead of the busy holiday season. Yet, there is reason for hope. Consumers are more optimistic that a recession will not hit the US this year, and we see an uptick in those who feel their personal financial situation will improve in the coming month.