i think "they" have it down to 3 banks now......there is one good thing about credit though....it's a double edged sword and is only powerful to the lendor until the lendees say "f'it! i aint gonna pay any more"..... thats kinda how the US got it's start...."when in the course of human events people get pissed off about working thier butts off and nothing to show for it".. (or something like that).....