Our goal is to serve God, and it's harder to do that when you're in debt.

All of the major players were buying a lot of places and they were going into debt.

Every time a fixed-expense item is paid off, reallocate that former payment against another debt. Combined with Mrs. Brown's employment as a nurse in 2002, you will be able to stop the interest clock from ticking forever.

Going into debt is never easy and, in your case, going deeper into debt is a necessary evil.

The emerging market dollar denominated debt market is going away, and at the same time there are a lot of invested assets chasing the little yield that is left. More and more of the focus is on which bond will be bought back next.

Really the modification is to address some of the concerns about whether this would affect frontline forecasters and people like that. It should be pointed out in the original request we had submitted there were provisions to protect the frontline forecasters and the like already in that.