Bank leaders seem to have reached a consensus: Despite a minefield of uncertainties this year, the U.S. consumer has remained surprisingly resilient. The takeaway for stock-pickers, though, is far from clear-cut. Ranging from President Donald Trump's aggressive trade policy to the path of interest rates and a cooling labor market, the questions looming over the economy in 2025 are manifold. The ongoing government shutdown is the latest wrinkle, presenting risks to both the actual economy and investors' ability to understand what's going on due to the lack of economic data collection. Through it all, the banking world is still painting a picture of an economy that hasn't cracked yet. At Wells Fargo , spending in both credit and debit cards remains up "week after week after week after week,"

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