Gosh, I seem to have run one at a nice profit for 20 years. And I do give people extra time to pay when confronted with misfortunes beyond their control. Just blind, dumb luck I guess. And the comment In mandates a perfect vision of the future and absolute certainty of the vision is perplexing since no one has such attributes.
A lot of people payed down debt last month,
http://money.cnn.com/2008/10/28/pf/money_habits/index.htm:
however this is an unfortunate time of year to contract someones credit without warning.
Your comment did not address the issue at hand.
Forknowledge of closing for good is different from family leave