I JUST GOT A CALL FROM THE FTC SAYING THEY WERE GOING TO REMOVE CONSUMER CREDIT CARD DEBT ENTIRELY BECAUSE OF THE ECONOMIC CRISIS, IT WAS A REAL PERSON MIND YOU, SO THEN I ASKED “ WILL WE HAVE TO PAY IT ALL BACK IN TAXES LATER?” THERE WAS A LONG PAUSE, ABOUT 30 SECONDS, THEN I HUNG UP.