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Howard Davidowitz is one of our favorite people to interview. The retail analyst, who is chairman of NYC-based consulting firm Davidowitz & Associates, is always fun to talk to because of his strong and animated opinions, many of which are too “colorful” to add to a news article.In this MarketWatch audio clip, he is pretty tame, probably because he knows he’s on radio. But there are still a few things he says that are gems, like: “The consumer is underwater.” And there is also a reference to rebate checks “flying out of helicopters.” Fun aside, Davidowitz’s outlook for the industry is pretty bleak right now.

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