It's all good B, I know what you mean about people and debt...however the way things are going these days people can get in over their heads very easily. I've never seen such high inflation over the past ~7 years like I've seen between 00-07. I know we were due for a gas price hike and a number of other things, but man prices just continue to skyrocket. I'm fortunate enough to have a decent paying job but a lot of people do not...that doesn't excuse them from frivelous spending however...

Chris