Retailers are in pull back mode. Ann Taylor, Eddie Bauer, Home Depot, J.C. Penney, Sears, Starbucks and Wal-Mart are among the companies that have recently announced that they'd be taking a variety of actions to deal with what each sees as a challenging retailing environment in the months to come. Does it seem to you that many retailers misjudged the degree to which consumers would pull back on spending?

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