Near the end of 1994, people suddenly become "rich'', buying a lot of things. We have received the report that the real hourly wages of workers become even less ,so they do not have enough money to buy so many things. Although the employment is rising towards the end of 1994 ,the growth is very slow. Therefore ,not many people find jobs to earn enough money to buy goods. Then where does the big consumer confidence come from? We have discovered that people overspend with various credit cards ,buying goods. And they are not worried about returning the borrowed money. This it is our turn to be concerned about this kind of consumer confidence.