Jax speculated: *if* the below is true, you are a rare bird among =
Americans, who have spent the
last 20 years borrowing and spending and borrowing and spending.=20

Not everyone lives on their credit cards. We also have both cars, the =
tractor, the boat, and no other loans out except for a small mortgage =
with more than 2/3's equity on our house. Maybe it's a Midest thing?

--=20
katysails
s/v Chanteuse
Kirie Elite 32
http://katysails.tripod.com

"Women and cats will do as they please, and men and dogs should relax
and get used to the idea." - Robert A. Heinlein