It's the presence of endorphins in the system that suppresses the cravings.

That way you can find out where you are at in the picture, what you need, any problems you'd encounter. The No. 1 reason people get turned down for a loan is credit issues.

Our specific concern … is that it will have a ripple effect.

We explain to our clients we are working with a laser not a magic wand. There is work to be done on their part, but their cravings will be suppressed.

There's just a lot of work that needs to be done on our system. And the rates are going to have to go up to take care of these issues.

Myself, I couldn't help think of anything in the world better than stirring sharp white cheddar, smoked Gouda, creamy Havarti, Monterey Jack, and a touch of piquant Maytag blue cheese into a bubbling hot white sauce, stirring it to a thick honey consistency, and pouring it over al dente macaroni to toast to a crispy deep golden on top.