What you see-members boosting savings but not rushing over to the loan department to borrow money-is likely what you will get for a while.

That's the word from sources such as the Conference Board and the latest Reuters/University of Michigan Consumer Confidence Survey.

At a meeting in Washington to unveil the latest findings, University of Michigan economist Richard Curtin, who directs the Reuters/U of M study, indicated consumers think the worst of the recession is over. However, he added, they're still nervous.

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