[Timber Loftis]

BTW, in case anyone hasn't noticed, Americans have very quickly become much more responsible. Credit rates have shot up to an average of 710. This means that in the face of this crisis, people are shedding their debt, paying their bills, and hunkering down. (Note that someone who defaults or goes bankrupt does not have a rising credit score, so the only explanation for this rise is that people are paying off debt.)