Lenders now feel the agenda has changed, with inquiries looking at virtually every source of income. Some aspect of these inquiries appears to be based upon an assumption of excess profitability. This seems dubious when you look at the numbers.

But if you really want to know how to live on one income, you might have to move back with your parents,

We're especially pleased with solid fee income growth across the board, ... We see no signs of credit deterioration on the horizon.

But higher costs were enough to hit operating income in the quarter, which grew only 7 percent, compared to a 7.4 growth rate for the comparable nine months. Despite these issues, the quarter held up very well and the holiday quarter should hold up nicely,

Red' will bring a rising income stream ... (and) increased awareness of HIV in Africa and the role of the Global Fund to finance programs to treat it. Income from 'Red' will flow to support Global Fund programs in Africa against HIV Aids, especially programs that help women and children.

This is the kind of substantial income increase many people need to remain in the middle class or enjoy some affluence.