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Everyone wants to know what the economic downturn tsunami cataclysm apocalypse will mean for the average consumer. Ed Cotton of Butler Shine Stern & Partners takes a crack at it with an interesting list of what comes next after we wake up to a tough truth: that the era of high living on cheap credit is over. Cotton proposes some brands that could benefit—software like Quicken for budget planning, stores like Costco for bulk-buying 80-ounce jars of mayo and Home Depot/Lowe’s for DIY home improvement, etc.

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