I think what's driving it are the ins and the outs. Incomes have not risen as fast as expenses have, so how do you bridge the gap? You get credit. You have the ability to borrow more and more. There are many different.... As I said, we layer. It used to be that you'd get a bank loan. Well, now you can get a bank loan, and then you can get a credit card, then finance company loans and then payday loans. When you layer all those things on top, you end up with more debt. It's not just a higher dollar number, but the number of creditors you have is also larger. That's obviously what puts people into more and more trouble.
