BW2 ... You get a lot of "yep, that is about right" on your posts ... The hard part about getting accurate data from, say 2003 - 2004 is finding numbers from a credible source ... remember, BAD news sells ... so finding negative stuff is easy. Finding ACCURATE stuff is hard.

BJ ... My bride is an attorney, and she loathes bankrutpcy pieces of shi ... oops, I mean attorneys ... and yes, the laws look like they will FINALLY get tougher ... because EVERYTIME someone files BK ... WE pay for it.

The amazing thing is some in Congress think the problem lies with credit card companies making it too easy for people to go into debt ... A FREE society brings personal responsibility ... and to blame the credit card company is just plain .... wrong.