I think everyone should collectively pat themselves on the back. All it took to start reigning in the debt was a massive financial collapse. Hopefully this trend will continue. http://money.cnn.com/2008/12/11/news/economy/flow_of_funds/index.htm?postversion=2008121114 Anyway, check out the article. It’s interesting. I wonder if people are willfully changing their habits, or whether it’s just a lack of available credit……
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