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Mr. Myers said his agents follow the tough consumer protection laws governing the industry in Texas.
And they note that states with tough consumer lending laws have not experienced large numbers of borrower lawsuits.
Paper will still be used for some time, though, Mr. Finamore predicted, because of the tough consumer laws in Taiwan.
"The business has continued to perform very well in what remains a tough consumer environment," said the BSkyB chief executive, Jeremy Darroch.
Outdoor pursuits gear seller Blacks Leisure also cited the tough consumer climate as it posted wider losses for the half year to 27 August.
Debenhams sounded a cautious note in advance of the key Christmas trading period and predicted a tough consumer backdrop for 2014.
Similar(38)
But times are tough, consumers say.
"The American people are tough consumers.
Mr. Saddington said that while company officials saw the interior of the LR3 as being "Land Rover tough," consumers thought it looked "low rent".
It turns out that when times are tough, consumers may be less interested in what type of feed a cow ate before it got chopped up for dinner, or whether carrots were grown without chemical fertilizers — particularly if those products cost twice as much as the conventional stuff.
When economic times are tough, consumers are just as likely if not more likely to sell off old goods as a way to bring in extra cash.
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