So the Banks must report their balance sheets differently and need the increased repayment of debt to carry all the new anticipated BK receivables on their books... So what is your take on this, how will this effect the economy....xmas...next year...? Is the economy so resilient to aBSORB THIS? Since CC debt is a large part of Consumer economy, how will Greenspan deal with this before he retires? These are honest questions, I am not a doom and gloomer...I personally pay my CC debt in full at the end of each month, but I know many people do not and seem to be maxed out. Michael B.