There's been a lot of debate over what U.S. consumers are doing with the money they're saving on gas.

Some economists are going so far as to suggest Americans have changed their very DNA and turned to paying down debt rather than doing something more economically stimulative with their extra pocket cash. We're probably looking in the wrong place. The companies closest to the bleeding edge of economic growth aren't retailers, but casual dining.

Based on government data, Food Services and Drinking places saw revenue grow 11.3% year over year in January, by far the highest of the industry types surveyed.

Overall, the industry grew .8% adjusted - way ahead of the disappointing overall results. Don't take the government's word for it.

View photos Restaurant sales More

Take a look at shares of Jack in the Box (JACK) today, zooming higher by 5% on the session and more than 60% for the last year. As usual, the good companies have a knack for finding customers who want to spend money. Look at Jack shares compared to McDonald's (MCD) over the last year. I didn't even know you can get market share with your Happy Meal but that's what Jack is taking.

View photos Jack in the Box vs. McDonald's More

Finally, here's Jack compared to Wall Street darling Chipotle (CMG) over the last year. For all the hype over free-range organic pork Jack is eating CMG's lunch in terms of total returns. No sweeping conclusions here but some interesting food for thought on a Wednesday.

View photos Jack in the Box vs. Chipotle More

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