I almost wrote "contemplated". It seems like a huge failure, then I think of the banks charging me 17% interest on a credit card, one of the "too big to fail" banks... their CEO would probably not miss any meals if I filed for bankruptcy. I keep asking them "based on my credit/payment history, do I qualify for a lower rate?" and they insist that's out of the question, so just based on the sheer FU quotient that makes it tempting to say "No, fuck YOU". Just something I'm rolling around to avoid doing work this morning. Howard related: his show has been bankrupt of emotion and entertainment for years. When does he interview Imus?