Americans are finding it easier to borrow from banks, supporting consumer spending and business investment and helping fuel employment just as U.S. government budget cuts start to take hold, according to data from the Federal Reserve, Bloomberg reported. Banks are more willing to lend and their customers are seeking more credit as both groups gain confidence in the economic outlook. That is one reason economists at UBS Securities LLC, who use measures of credit in their employment models, are forecasting payrolls will climb by an average of 200,000 a month in 2013, up from 181,000 last year. Read more.