11.   Could blame lie with the sweet-talking guys at MBNA and Providian and everyone else pushing easy credit?

12.   Critics often accused Hersant of using easy credit from what was at the time a state-owned French banking system for his acquisitions.

13.   Consumers would spend more, since interest rates would be low and credit easy to get.

14.   Did the system have enough liquidity in the form of easy credit to assure that major financial institutions would not buckle?

15.   Easy credit and record-high personal indebtedness mean that, despite rising affluence, lots of people still owe their souls to what amounts to the company store.

16.   Flush with easy credit, it branched out into golf courses, resorts and hotels, then added a health-club subsidiary and acquired a construction company.

17.   For millions of Americans, the kind and encouraging face and voice of Joseph P. Goryeb represent the lure of easy credit.

18.   Free market reforms included cutting subsidies for farmers, eliminating government-subsidized fertilizer and easy credit through special rural banks.

19.   In car dealerships and consumer electronics stores, where Brazilians of all economic levels have access to easy credit, there were more sales clerks than customers.

20.   In addition, the well-heeled are cashing in some of their stock market gains while just about everyone else is taking advantage of easy credit to borrow more.