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Consumers are using them rather than checking accounts, Javelin says.
Group to advise on communications, trading and the effectiveness of disclosure.
Real estate bubble burst more manageable than in the U.S.
Currency to slide amid spending cuts and renewed debt turmoil.
S&P 500 earnings seen gaining just 0.6% in Q1 and Q2 as European slump hits recovery.
Shift to fixed-income assets could buoy bond prices.