So the average American is supposed to be saving hundreds of dollars each month at the pump, and this has been going at least 6 months as the price of gasoline has gone down, down, down. However, according to official reports....
1. December retail sales were down .9%
2. January retail sales were down .8%
3. January home foreclosures were up 5%

So people are apparently not shopping or paying their mortgages with all this money they've saved at the pump. So where's the money?