New York Fed Study Reveals LowerIncome Households Feel the Pinch from Rising Gas Prices Consumer Credit Growth Accelerates in December Signaling Resilient Spending SP 500 Inches Higher as Healthcare and Tech Rally Offset Telecom Weakness Oil Prices Edge Higher as USIran Peace Talks Progress Slowly Strait of Hormuz Disruption Persists UK Exports to US Tumble 25 Following Trumps Liberation Day Tariff Measures Consumer Credit Growth Surges in December Implications for Spending and Fed Policy Merrick Bank Online Banking Review Competitive CD Rates and Digital Services