Bloomberg's reporting that the advent of encrypted messaging services like WhatsApp and Signal have ushered in an era of out-of-control secret texting on Wall Street Bloomberg Dealbook's Common Sense takes the long view when evaluating the Sears /Eddie Lampert era, noting that while ESL Investments isn't dead yet, its long-term bet on Sears and Kmart sure looks pretty bad NYTimes The Fed's eyeing the troubling rise of subprime auto debt, and it's particularly worried about America's South WSJ Foreclosure stats are a far cry from their heights in the aftermath of the 2008 economic crisis.

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