As long as this credit card still works, I can keep on buying climbing gear. My son can pay the bills. My government taught be how. I like that new offer on a credit card offer I saw on TV yesterday...as long as you use the card to make a purchase, you don't have to make a payment! That and interest only mortgages = recipe for disaster. With the new difficulties in declaring bankruptcy engineered by the credit card companies , coupled with insidious marketing that basically starts when you are in the womb, the American way is looking better than ever. And we can't even count on tin foil hats these days.