We didn't execute, and we had our chances. We missed some free throws, and we didn't take care of the ball when we needed to.

We don't really have that go-to player like we've had in the past. We play a team concept that works well.

We expected a tight, defensive game; we know them and they know us. Defensively, I thought we played well tonight and that's what got us the win.

The larger banks are seeing a lot of market share in this area, but the larger credit unions and the ones being run by ex-bankers are setting up arrangements where a non-member can finance a car right at the dealership just by signing up to be a member.

A lot of people get a home equity loan and do it on their own, short of going to a credit counseling agency. You can consolidate your credit card debt and have a lower monthly payment that will maybe get you through a squeeze.

Think about the relative merit of variable rates versus fixed-rate credit. Locking in a fixed rate now gives you a great deal of comfort. Even though the lowest rate might be a variable rate, those could start to climb again next year.