It was a timely thing. It's about the time people are ready to come outside.

Both boards approved this coming in, as long as we can get people to help us out and it?s not on my shoulders.

People are very desperate this time of year right after the holidays when they may not have realized how much they have spent. But you want to make sure that where you turn is actually helping you and not putting you further in debt.

Well, of course, people are only human... But it really does not seem much for them to be.

I am ill at ease with people whose lives are an open book

We're holding our own. We're actually in a little better shape now than this time last year.