From what I am seeing, many companies had a good 2012. If they've been around long enough, 2012 wasn't as great as 2003-2007 but it was definitely better than 2009-2011 so they're having a positive outlook due to the upward trend. Profitability has also increased in many businesses due to substantially better efficiency ratios. With people afraid of losing their jobs, they're working harder which means the owner's don't need to hire that next employee. Why would they when that bottom dollar is there's. This reaction will keep unemployment reasonably high.

I'm fearful for some of the long term economic indicators that we're seeing. I'm thinking that if my sales goal is not met by June, we're going to start seeing some downward trends in compararable years and credit administrators are going to start getting happy feet again. Some say the beginning of 2013 is just some residual of 2012 but we'll see come the second half of the year.

Get financed while you can. Always grinding, you're only as good as your last sale.