In a sign of reduced economic stress among households and firms, total US bankruptcy filings are down. They fell from 104,537 last February to 82,285 this February, a fall of 21%. Consumer filings declined from 99,378 to 78,611 while commercial filings declined from 5,159 to 3,674. Personal bankruptcy filings peaked in 2010 at 1.54 million, declined to 1.22 million last year and will be about a million this year.