It looks like the economy is stuck in low gear where the motor is running fast, but you're only going 25 mph. This is kind of disappointing; it falls short of most most forecasts.

I have used ZIP codes to figure out the customer base of a retailer. Advertisers use ZIP data to target newspaper, radio or television advertising. With the advent of information technology tools, the use of ZIP codes is only going to grow.

It is the easiest way to get a good profile of who your customers are.

When you have an economy running at full capacity, maybe you can ask the question if it's a good idea to fuel further this economy.

When you have an economy that is 35 percent larger than ten years ago and you are still running on the same infrastructure, then you are heading for trouble.

There's very little chance of a Fed move here, but the debate on the economy is going to keep running.