“From credit cards to predatory lending to pay-day loans, Manning takes a thoughtful and comprehensive look at life on the financial edge; where credit comes at too high a price for those who can least afford it.”—U.S. Representative John J. LaFalce (D-NY), Ranking Member, Committee on Banking and Financial Services. The unprecedented escalating credit card debt by college students, new entrepreneurs, the elderly, minorities, women, and the middle class as well as the working poor exposes one of the most severe social and economic crises of our time. Everyone is turning to Allan Greenspan to see how we can fix the recent economy slow down, when in reality, the Bull Market has masked the economic fragility of overextended households. This problem is only going to get worse. Credit card companies are continuing to double and triple the dollars that they spend to advertise their “easy money.” “Over the next five years, banks will pay the largest 250 universities nearly $1 billion annually for exclusive marketing rights on campus.” “Between 1994 and 1998, the credit card industry’s advertising budget doubled from $425 million to $870 million.” If we don’t get our credit card spending under control, we may end up spending the rest of our lives paying for a few stupid mistakes that we made in our youth.