In this Friday, Nov. 23, 2012, photo, a cashier rings up a cash sale at a Sears store, in Las Vegas. U.S. consumers borrowed more in November to buy cars and attend school, but stayed cautious with their credit cards. The Federal Reserve said Tuesday, Jan. 8, 2013, that consumers increased their borrowing in November by $16 billion from October to a seasonally adjusted record of $2.77 trillion. (AP Photo/Julie Jacobson)
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