To the credit of the regulators, they've been particularly proactive about how they're tackling this consumer cash bubble, ... The regulations they've brought in are going to crimp the earnings of the credit card issuers and prevent any fallout to the economy.

Credit card debt is almost always bad. At the very least, make sure that the amount of credit card debt you have is less this year than last.

We've worked tremendously hard over the summer ... It's credit to our fitness guys, who have made it really tough for us.

The earnings momentum from the prior fiscal year has been maintained despite some slowing in economic activity, particularly consumer credit growth.

This is a serious problem nationally and statewide as well as in the county, ... Solano County has been particularly proactive, signing people up on various programs, particularly children with the SKIP program, but it's still a serious problem, no question about it.

When you pay in advance, don't pay by check or cash. If you use a credit card, you may be able to recover some of that.