In this Wednesday, Dec. 12, 2012 photo, a "Sale" sign is reflected in a mirror as a shopper walks though the women's section of an H&M store in Atlanta. The Federal Reserve reports how much consumers borrowed in December on Thursday, Feb. 7, 2013. (AP Photo/David Goldman)

Associated Press
In this Wednesday, Dec. 12, 2012 photo, a "Sale" sign is reflected in a mirror as a shopper walks though the women's section of an H&M store in Atlanta. The Federal Reserve reports how much consumers borrowed in December on Thursday, Feb. 7, 2013.  (AP Photo/David Goldman)
In this Wednesday, Dec. 12, 2012 photo, a "Sale" sign is reflected in a mirror as a shopper walks though the women's section of an H&M store in Atlanta. The Federal Reserve reports how much consumers borrowed in December on Thursday, Feb. 7, 2013. (AP Photo/David Goldman)
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