It's pretty evenly distributed. My strong hunch is that things are similar here.

Riskier households have gotten credit over the last 10 years. It has nothing to do with moral fiber. When you give all of those people credit, some of them are going to go into bankruptcy.

If you look casually at a picture of debt burden and bankruptcies, they walk together.

The company is taking the actions required for long-term profitability but whenever a company has to do this it can be painful for investors.

We believe client growth is ahead of our expectations.

I really don't use that much make up - I'm pretty natural. I wear even less of it in the summer.