Percent of U.S. residents who say they will "restrain" holiday spending this year: 34 Percent that consumer spending increased over last three months: 6.4 Percent by which personal bankruptcies increased over the last year: 7.8 Number of personal bankruptcies in the last year: 1,625,813 Total amount of consumer debt, in trillions: $1.7 Percent of U.S. residents making minimum or no payments on their credit cards: 46 Percent of disposable income U.S. households spend servicing debts: 13 Projected 2004 federal budget deficit by one estimate, in billions: $500