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  "documentTitle": "January Macro Brief Special edition: 2024 outlook and top 10 macro trends",
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  "notes": "The slide uses a dual-chart layout to contrast savings depletion in lower-income groups with rising delinquency rates.",
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      "text": "US household excess liquid savings (top quintile peak): $2,400B",
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      "text": "Note(s): (1) Credit card users are categorized into zip income quartiles by ranking zip code median income from lowest to highest and splitting zip codes into four equally sized groups by population. Source(s): New York Fed Consumer Credit Panel/Equifax; American Community Survey, Accenture Strategy estimates based on Federal Reserve data",
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      "text": "#1: Differentiation in consumer spending power grows",
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