Just for some perspective... If you woke up this morning, and those you love did too, you're ahead of a lot of people. If it's creditors they are in business to make money off inability to pay. They'll get by. It's only a credit rating. Not who you are.

Well, art is art, isn't it? Still, on the other hand, water is water! And east is east and west is west and if you take cranberries and stew them like applesauce they taste much more like prunes than rhubarb does. Now, uh... Now you tell me what you know.