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To: Wyätt Gwyön who wrote (47264)	12/13/2000 5:34:00 PM
From: pater tenebrarum	Read Replies (1) \| Respond to of 436258

the household sector primarily. everything from mortgage refinancings (home equity keeps falling, in spite of the real estate bubble) to new credit cards used to pay off old credit card debt is being engaged in imo. you are of course correct that the corporate sector sees the marginal borrowers simply go under before they can take on even more debt with the junk bond and IPO market shutdowns. although some, especially in telco land, seem to have been able to stick unsuspecting brokers with bridge loans that are now theirs to write off now that the financing of bold dreams without assets has ended.