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To: accountclosed who wrote (54494)	8/3/1999 2:33:00 PM
From: bill meehan	Read Replies (3) \| Respond to of 86076

AM: When the fit hits the shan, credit will be much harder to come by and many middle class Americans will have little choice. I also expect that lots of folks that will have access to credit will swear off it for some time. It's amazing how many people carry credit card debt--especially among those making very good money. I've also never used a debit card and am even charging my son's tuition at UVM (taken out automatically on a monthly basis) for the float, but more importantly for the 1.2 miles/$ I accumulate. 12-step credit programs are also likely to be big business in the '00s.