51.   McKinley urged parents to begin by showing their children the real cost of carrying debt and how quickly interest charges can add up.

52.   McKinley said the two-cycle approach can add up to four extra months of interest charges per year.

53.   Mortgage interest charges, as anticipated, again were the savior for inflation in the quarter.

54.   Most did not expect interest charges to apply to the entire bill.

55.   Mr. Fuchs says he will contest the second interest charge, too.

56.   Now it appears that with discipline and good economic luck, the interest charge may be zero in a little over a decade.

57.   Officials declined to give figures for interest charges.

58.   One company has already announced that it will begin imposing an annual charge on those accounts that have not paid any revolving interest charges throughout the year.

59.   Operating profit is defined by StatsCan as after-tax earnings from normal operations, excluding interest charges and write offs.

60.   Penalties include fines and interest charges.