Core Insights - The chain is experiencing a decline in sales due to economic pressures faced by younger Americans, including increased student-loan payments, stagnant wage growth, and rising health-insurance costs [1] Summary by Relevant Categories Economic Factors - Younger Americans are feeling the economic pinch from rising student-loan payments [1] - Stagnant wage growth is contributing to the financial strain on younger consumers [1] - Rising health-insurance costs are further exacerbating the economic challenges faced by this demographic [1]