@Tim Herman true, thanks.

That's definitely true here.

That sounds low to me, but that's just me.Also, regarding the interest rate, it is true that it is low, but that's what many people have been saying for years, so I'm not sure how it'll go from here. 

Its been a little bit since your original post but what @Marty True says is likely correct. 

The opposite holds true.

This is a true customer service business and I love all your suggestions!

@Ken Cochran,Ditto on what @Greg Johnson said, which cannot be under-stressed.They're out there, but you gotta work hard for it, which I think is true anywhere - especially this area.

It´s true that the situation is better than 5-10 years ago but this is a problem not solved yet. 

To deleverage the whole system would make 2009 look like a heyday for investors and I don't think anyone: politicians, the general public, employers, etc; want to go through a systematic change like that, as it would devastate everything we hold true from our net worth, to our housing, likely down to the most basics of our food supply and costs.

True, RG and E may be held accountable.