The cyclical pattern of consumer confidence was fairly subdued and confidence remained at a level close to its all-time high throughout 1999. Continued employment growth and further reductions in unemployment should help to sustain it at this high level. Taken together, the prospects for a strengthening of domestic demand growth appear to be good.
•  It describes steady improvements in safety and soundness, with a gradual decline in outstanding supervisory actions at both the largest and smallest organizations. •  And it identifies areas of continued supervisory focus, including operational resiliency and cyber-related risks, which are among our top priorities for the year to come.