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No I am not! I am trying to keep little minds focused on the problems ahead. What is happening now, rings similarity's to the war years. And what did Winston say in his great speech on 20 August 1940, nearly 68 years ago for those whose arithmetic is not up to scratch? "Never was so much owed by so many to so few." Credit cards have caused the problem. People with no money borrowing from those with no money. The amount owed on credit cards alone is staggering add to that the amount owed on mortgage lending and it is mind blowing. Some of you will remember Dave Allen. He did a sketch on debt. He said, "Britian has a balance of payment deficit (we owe millions) and he went on to tell the audience of how many others had a similar debt, and then he asked the question, who do we owe it too?"