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As far as the number of Utah bankruptcies go, there are several reasons for the large number. We were just talking about this at work the other day. Utahns tend to have their own businesses, and the economy has tanked in the past year. I am astounded at the number of For Lease signs I see as I drive around Provo. And a lot of families put everything they have into those businesses for the first few years, with very little savings. And I think the economy was perceived as being so good for so many years that a lot of people didn't save as they should have, and bought homes that were more than they could afford if times got rough. When I bought my home, the lenders were willing to give me a whole lot more money than what I had decided I could afford. Plus, credit cards are always a temptation, and easy money until the bills come due. I don't know why the article threw in the 10% tithe statement. I've found that when I pay an full and honest tithe, my finances seem to go better.