what i see and what i am hearing, page-35

I don't deny that all of that would be correct tci, however an increasing number of people are doing it, that is paying late, and the banks aren't bankrupting too many of these customers yet as far as I know, so they probably aren't thinking too hard about the consequences of bankruptcy.

Maybe if we get a few reported on ACA or Today Tonight, where the big bad bank booted out the family, the reality might set in and the call to the re agent might be placed. At this stage they are probably expecting mortgage assistance or something.