More from the USB presentation: Corporate customers who were concerned about the fiscal cliff have moved on to fretting abou the questionable solution and the looming debt ceiling, says CEO Richard Davis. It gives them an excuse to sit on their hands. On the consumer side, the tax hikes have customers more likely to take out their credit cards rather than debit cards. Home loan business and gains-on-sale from mortgages are clearly slowing in Q1. Shares turn lower, -0.6%.