home *** CD-ROM | disk | FTP | other *** search
| Unknown | 1990-09-27 | 39.9 KB |
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MacOS 8.1
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Win98
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DOS
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| Confidence | Program | Detection | Match Type | Support
|
|---|
| 100%
| file
| data
| default
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hex view+--------+-------------------------+-------------------------+--------+--------+
|00000000| 38 00 e2 00 00 00 bd 02 | 00 00 ab 03 00 00 49 06 |8.......|......I.|
|00000010| 00 00 f4 09 00 00 64 0d | 00 00 18 10 00 00 00 13 |......d.|........|
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|00000060| 00 00 b0 48 00 00 bc 4b | 00 00 54 4f 00 00 8a 52 |...H...K|..TO...R|
|00000070| 00 00 42 56 00 00 f5 59 | 00 00 70 5d 00 00 42 60 |..BV...Y|..p]..B`|
|00000080| 00 00 a3 63 00 00 4e 65 | 00 00 5b 67 00 00 90 69 |...c..Ne|..[g...i|
|00000090| 00 00 ce 6c 00 00 68 6f | 00 00 c6 71 00 00 72 74 |...l..ho|...q..rt|
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|000000e0| 00 00 01 00 01 00 00 00 | 18 00 4f 00 34 23 7c 9c |........|..O.4#|.|
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|000001e0| 0a bb fd f0 20 20 fd 8f | ba ff 04 21 21 ff 04 ba |.... ..|...!!...|
|000001f0| fd f0 ff 2c fd f8 da fe | c4 09 fd 8f ba 50 41 49 |...,....|.....PAI|
|00000200| 44 20 42 49 4c 4c 53 ba | fd f0 20 20 fd 8f ba ff |D BILLS.|.. ....|
|00000210| 03 c0 c4 c4 d9 ff 03 ba | fd f0 20 fd fc fe db 04 |........|.. .....|
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|00000250| 04 cd bc fd f0 ff 25 fd | f8 b3 20 fe ba 06 20 20 |......%.|.. ... |
|00000260| fd 8f c8 fe cd 0a bc fd | f0 20 fd 6f ff 50 fd 60 |........|. .o.P.`|
|00000270| fe c4 0d bf fd 6f 20 20 | fd 60 da fe c4 2f bf fd |.....o |.`.../..|
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|000002a0| 60 c0 fe c4 2f d9 fd 6f | 20 20 fd 60 b3 fd 6f 20 |`.../..o| .`..o |
|000002b0| 45 58 49 54 20 3c 45 73 | 63 3e 20 00 00 01 00 05 |EXIT <Es|c> .....|
|000002c0| 00 14 00 0d 00 3b 00 a8 | 24 83 8c dc 00 f0 ff 28 |.....;..|$......(|
|000002d0| 54 68 65 20 64 61 79 73 | 20 77 68 65 6e 20 64 65 |The days| when de|
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|00000330| 20 22 4e 65 69 74 68 65 | 72 20 61 20 62 6f 72 72 | "Neithe|r a borr|
|00000340| 6f 77 65 72 ff 04 6e 6f | 72 20 61 20 6c 65 6e 64 |ower..no|r a lend|
|00000350| 65 72 20 62 65 22 2c 20 | 6d 61 79 20 62 65 20 74 |er be", |may be t|
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|00000380| 20 64 6f 20 73 74 69 6c | 6c 20 6e 65 65 64 20 74 | do stil|l need t|
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|000003b0| 00 18 00 4f 00 0c 00 71 | 8c 8c 02 f0 ff 0c da fe |...O...q|........|
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|000003e0| b3 ff 18 b3 ff 36 b3 ff | 18 b3 ff 0e fd ce 41 fd |.....6..|......A.|
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|00000400| 2d 68 6f 6c 69 63 3f ff | 11 b3 ff 18 b3 ff 36 b3 |-holic?.|......6.|
|00000410| ff 18 b3 ff 0e fd ce 54 | fd f0 68 65 20 70 72 6f |.......T|..he pro|
|00000420| 62 6c 65 6d 20 6f 66 20 | 62 61 64 20 64 65 62 74 |blem of |bad debt|
|00000430| ff 11 b3 ff 0d fd 8f c9 | fe cd 0a bb fd f0 ff 36 |........|.......6|
|00000440| b3 ff 0d fd 8f ba ff 04 | 55 4e 2d ff 03 ba fd f0 |........|UN-.....|
|00000450| ff 0e 54 fd ce 68 fd f0 | 65 20 70 73 79 63 68 6f |..T..h..|e psycho|
|00000460| 6c 6f 67 79 20 6f 66 20 | 62 61 64 20 64 65 62 74 |logy of |bad debt|
|00000470| ff 0e b3 ff 0d fd 8f ba | ff 03 c0 c4 c4 d9 ff 03 |........|........|
|00000480| ba fd f0 ff 36 b3 ff 0d | fd 8f cc fe cd 0a b9 fd |....6...|........|
|00000490| f0 ff 0e fd ce 47 fd f0 | 65 74 74 69 6e 67 20 6f |.....G..|etting o|
|000004a0| 75 74 20 6f 66 20 62 61 | 64 20 64 65 62 74 ff 11 |ut of ba|d debt..|
|000004b0| b3 ff 0d fd 8f ba ff 03 | 50 41 49 44 ff 03 ba fd |........|PAID....|
|000004c0| f0 ff 32 fd f3 fe db 0f | fd f0 ff 03 fd 8f ba ff |..2.....|........|
|000004d0| 03 c0 c4 c4 d9 ff 03 ba | fd f0 ff 0e fd ce 53 fd |........|......S.|
|000004e0| f0 74 61 79 69 6e 67 20 | 6f 75 74 20 6f 66 20 62 |.taying |out of b|
|000004f0| 61 64 20 64 65 62 74 ff | 0d fd f3 db fd 29 fe b1 |ad debt.|.....)..|
|00000500| 0d fd f3 db fd f0 ff 03 | fd 8f cc fe cd 0a b9 fd |........|........|
|00000510| f0 ff 32 fd f3 db fd 29 | fe b1 0d fd f3 db fd f0 |..2....)|........|
|00000520| ff 03 fd 8f ba ff 03 42 | 49 4c 4c 53 20 20 ba fd |.......B|ILLS ..|
|00000530| f0 ff 32 fd f3 db fd 29 | fe b1 0d fd f3 db fd f0 |..2....)|........|
|00000540| ff 03 fd 8f ba ff 03 c0 | c4 c4 d9 ff 03 ba fd f0 |........|........|
|00000550| ff 32 fd f3 db fd 29 fe | b1 0d fd f3 db fd f0 ff |.2....).|........|
|00000560| 03 fd 8f cc fe cd 0a b9 | fd f0 ff 32 fd f3 fe db |........|...2....|
|00000570| 04 fd 8f c9 fe cd 0a bb | fd f0 20 20 fd 8f ba ff |........|.. ....|
|00000580| 04 21 21 ff 04 ba fd f0 | ff 2c fd f8 da fe c4 09 |.!!.....|.,......|
|00000590| fd 8f ba 50 41 49 44 20 | 42 49 4c 4c 53 ba fd f0 |...PAID |BILLS...|
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|00000620| 6f 20 43 4f 4e 54 49 4e | 55 45 11 c4 d9 20 fd 60 |o CONTIN|UE... .`|
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|000006b0| 20 41 6c 74 68 6f 75 67 | 68 20 69 74 20 6d 61 79 | Althoug|h it may|
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|000008e0| 20 20 fd 8f ba fd f0 ba | 20 63 6f 6e 73 75 6d 65 | ......| consume|
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|00000ab0| 20 73 6f 6c 75 74 69 6f | 6e 20 65 6e 64 20 75 70 | solutio|n end up|
|00000ac0| 20 69 6e 20 64 65 62 74 | 20 61 67 61 69 6e 2e 20 | in debt| again. |
|00000ad0| 20 49 74 20 69 73 20 62 | 65 74 74 65 72 20 74 6f | It is b|etter to|
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|00000af0| ba 20 77 6f 72 6b 20 79 | 6f 75 72 20 77 61 79 20 |. work y|our way |
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|00000c20| 20 fd 8f 49 4c 4c 53 20 | 20 ba fd f0 ba 20 74 68 | ..ILLS | .... th|
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|00000c60| fd f3 db fd f0 20 20 fd | 8f c4 c4 d9 ff 03 ba fd |..... .|........|
|00000c70| f0 ba 20 68 61 70 70 69 | 65 72 20 61 6e 64 20 62 |.. happi|er and b|
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|00000cc0| ba 50 41 49 44 20 42 49 | 4c 4c 53 ba fd f0 20 fd |.PAID BI|LLS... .|
|00000cd0| 8f c4 c4 d9 ff 03 ba fd | f0 ba 20 fd 0e 20 4d 6f |........|.. .. Mo|
|00000ce0| 6e 65 79 20 fd e4 46 fd | 0e 61 63 74 20 fd f0 ff |ney ..F.|.act ...|
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|00000d40| 60 b3 fd 6f 20 20 fd 60 | c0 fe c4 2f d9 fd 6f 20 |`..o .`|.../..o |
|00000d50| 20 fd 60 b3 fd 6f 20 50 | 61 67 65 20 32 20 6f 66 | .`..o P|age 2 of|
|00000d60| 20 32 00 00 01 00 02 00 | 00 00 18 00 4f 00 6a cc | 2......|....O.j.|
|00000d70| 71 8c a2 02 f0 ff 1d 41 | 52 45 20 59 4f 55 20 41 |q......A|RE YOU A|
|00000d80| 20 44 45 42 54 2d 41 2d | 48 4f 4c 49 43 3f ff 6f | DEBT-A-|HOLIC?.o|
|00000d90| 41 6e 73 77 65 72 20 74 | 72 75 65 20 6f 72 20 66 |Answer t|rue or f|
|00000da0| 61 6c 73 65 20 74 6f 20 | 74 68 65 73 65 20 71 75 |alse to |these qu|
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|000036c0| f0 ff 06 fd 8f ba ff 03 | fd 2f ff 46 fd f0 ff 06 |........|./.F....|
|000036d0| fd 8f ba ff 03 fd 2f ff | 05 49 6e 76 65 73 74 6f |....../.|.Investo|
|000036e0| 72 73 20 63 61 6e 20 6d | 61 72 67 69 6e 20 75 70 |rs can m|argin up|
|000036f0| 20 74 6f 20 68 61 6c 66 | 20 74 68 65 69 72 20 73 | to half| their s|
|00003700| 74 6f 63 6b 68 6f 6c 64 | 69 6e 67 73 20 61 6e 64 |tockhold|ings and|
|00003710| 20 61 6e ff 07 fd f0 ff | 06 fd 8f cc fe cd 03 fd | an.....|........|
|00003720| 2f ff 05 65 76 65 6e 20 | 67 72 65 61 74 65 72 20 |/..even |greater |
|00003730| 70 65 72 63 65 6e 74 61 | 67 65 20 6f 66 20 73 61 |percenta|ge of sa|
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|00003750| 15 fd f0 ff 06 fd 8f ba | ff 03 fd 2f ff 46 fd f3 |........|.../.F..|
|00003760| fe db 03 fd f0 ff 03 fd | 8f ba ff 03 fd 2f ff 05 |........|...../..|
|00003770| 42 75 74 20 62 6f 72 72 | 6f 77 69 6e 67 20 74 6f |But borr|owing to|
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|00003790| 2e 20 20 53 65 65 20 74 | 68 65 20 53 74 6f 63 6b |. See t|he Stock|
|000037a0| 73 20 74 75 74 6f 72 69 | 61 6c ff 07 fd 29 b1 b1 |s tutori|al...)..|
|000037b0| fd f3 db fd f0 ff 03 fd | 8f cc fe cd 03 fd 2f ff |........|....../.|
|000037c0| 05 66 6f 72 20 61 20 66 | 75 6c 6c 20 64 69 73 63 |.for a f|ull disc|
|000037d0| 75 73 73 69 6f 6e 20 6f | 6e 20 6d 61 72 67 69 6e |ussion o|n margin|
|000037e0| 2e ff 21 fd 29 b1 b1 fd | f3 db fd f0 ff 03 fd 8f |..!.)...|........|
|000037f0| ba ff 03 fd 2f ff 46 fd | 29 b1 b1 fd f3 db fd f0 |..../.F.|).......|
|00003800| ff 03 fd 8f ba ff 03 fd | 2f ff 46 fd 29 b1 b1 fd |........|/.F.)...|
|00003810| f3 db fd f0 ff 03 fd 8f | cc fe cd 03 fd 2f ff 46 |........|...../.F|
|00003820| fd 8f fe cd 03 bb fd f0 | 20 20 fd 8f ba ff 03 fd |........| ......|
|00003830| 2f ff 46 fd 8f 4c 4c 53 | ba fd f0 20 20 fd 8f ba |/.F..LLS|... ...|
|00003840| ff 03 fd 2f ff 46 fd 8f | ff 03 ba fd f0 20 20 fd |.../.F..|..... .|
|00003850| 8f c8 fd 0f fe cd 04 fd | 8f fe cd 06 bc fd f0 20 |........|....... |
|00003860| fd fc fe db 04 cd bc fd | f0 ff 25 fd f8 b3 20 fe |........|..%... .|
|00003870| ba 06 20 20 fd 8f c8 fe | cd 0a bc fd f0 20 fd 6f |.. ....|..... .o|
|00003880| ff 50 fd 60 fe c4 0d bf | fd 6f 20 20 fd 60 da fe |.P.`....|.o .`..|
|00003890| c4 2f bf fd 6f 20 20 fd | 60 da fe c4 0c fd 6f 20 |./..o .|`.....o |
|000038a0| 43 4f 4e 54 49 4e 55 45 | 11 c4 d9 20 fd 60 b3 fd |CONTINUE|... .`..|
|000038b0| 6f 20 20 fd 60 c0 fe c4 | 2f d9 fd 6f 20 20 fd 60 |o .`...|/..o .`|
|000038c0| b3 fd 6f ff 0c 00 00 01 | 00 02 00 00 00 18 00 4f |..o.....|.......O|
|000038d0| 00 d0 1c 72 9a 7e 03 f0 | ff 55 fd 2f ff 46 fd f0 |...r.~..|.U./.F..|
|000038e0| ff 0a fd 2f ff 1d 43 52 | 45 44 49 54 20 43 41 52 |.../..CR|EDIT CAR|
|000038f0| 44 53 ff 1d fd f0 ff 0a | fd 2f ff 46 fd f0 ff 0a |DS......|./.F....|
|00003900| fd 2f ff 05 4a 6f 65 20 | 68 61 73 20 74 6f 6f 20 |./..Joe |has too |
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|00003920| 73 2e ff 23 fd f0 ff 0a | fd 2f ff 46 fd f0 ff 0a |s..#....|./.F....|
|00003930| fd 2f ff 05 48 65 20 72 | 65 70 6c 61 63 65 64 20 |./..He r|eplaced |
|00003940| 68 69 73 20 6e 69 6e 65 | 20 63 61 72 64 73 20 77 |his nine| cards w|
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|00003970| ff 06 fd 8f c9 fe cd 03 | fd 2f ff 05 61 6e 6e 75 |........|./..annu|
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|00003990| ff 2d fd f0 ff 06 fd 8f | ba ff 03 fd 2f ff 46 fd |.-......|..../.F.|
|000039a0| f0 ff 06 fd 8f ba ff 03 | fd 2f ff 05 4a 6f 65 20 |........|./..Joe |
|000039b0| 61 6e 64 20 68 69 73 20 | 77 69 66 65 20 74 6f 6f |and his |wife too|
|000039c0| 6b 20 6f 75 72 20 44 65 | 62 74 2d 61 2d 68 6f 6c |k our De|bt-a-hol|
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|00003a40| fd 2f ff 46 fd f3 fe db | 03 fd f0 ff 03 fd 8f ba |./.F....|........|
|00003a50| ff 03 fd 2f ff 05 46 72 | 6f 6d 20 6e 6f 77 20 6f |.../..Fr|om now o|
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|00003a70| 77 6e 20 74 68 65 20 64 | 65 62 74 20 6f 6e 20 68 |wn the d|ebt on h|
|00003a80| 69 73 20 63 72 65 64 69 | 74 20 63 61 72 64 73 ff |is credi|t cards.|
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|00003aa0| cd 03 fd 2f ff 05 77 69 | 74 68 6f 75 74 20 61 64 |.../..wi|thout ad|
|00003ab0| 64 69 6e 67 20 6e 65 77 | 20 63 68 61 72 67 65 73 |ding new| charges|
|00003ac0| 20 75 6e 74 69 6c 20 68 | 69 73 20 62 61 6c 61 6e | until h|is balan|
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|00003af0| 8f ba ff 03 fd 2f ff 05 | 63 6f 6e 74 72 6f 6c 2e |...../..|control.|
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|00003b50| 65 78 70 65 6e 73 65 73 | 2c 20 61 6e 64 20 6d 61 |expenses|, and ma|
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|00003b70| 66 6c 6f 77 2e ff 16 fd | 29 b1 b1 fd f3 db fd f0 |flow....|).......|
|00003b80| ff 03 fd 8f cc fe cd 03 | fd 2f ff 46 fd 8f fe cd |........|./.F....|
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|00003ba0| 0e 20 4d 6f 6e 65 79 20 | fd e4 46 fd 0e 61 63 74 |. Money |..F..act|
|00003bb0| 20 fd 2f ff 25 fd 0a 20 | 4d 6f 6e 65 79 20 fd e4 | ./.%.. |Money ..|
|00003bc0| 54 fd 0a 69 70 20 fd 2f | ff 05 fd 8f 4c 4c 53 ba |T..ip ./|....LLS.|
|00003bd0| fd f0 20 20 fd 8f ba ff | 03 fd 2f ff 46 fd 8f ff |.. ....|../.F...|
|00003be0| 03 ba fd f0 20 20 fd 8f | c8 fe cd 0a bc fd f0 20 |.... ..|....... |
|00003bf0| fd fc fe db 04 cd bc fd | f0 ff 25 fd f8 b3 20 fe |........|..%... .|
|00003c00| ba 06 20 20 fd 8f c8 fe | cd 0a bc fd f0 20 fd 6f |.. ....|..... .o|
|00003c10| ff 50 fd 60 fe c4 0d bf | fd 6f 20 20 fd 60 da fe |.P.`....|.o .`..|
|00003c20| c4 2f bf fd 6f 20 20 fd | 60 da fe c4 0c fd 6f 20 |./..o .|`.....o |
|00003c30| 43 4f 4e 54 49 4e 55 45 | 11 c4 d9 20 fd 60 b3 fd |CONTINUE|... .`..|
|00003c40| 6f 20 20 fd 60 c0 fe c4 | 2f d9 fd 6f 20 20 fd 60 |o .`...|/..o .`|
|00003c50| b3 fd 6f ff 0c 00 00 01 | 00 07 00 0f 00 18 00 4f |..o.....|.......O|
|00003c60| 00 0e ee 90 7c ae 01 f0 | ff 33 ba b3 ff 3f ba b3 |....|...|.3...?..|
|00003c70| ff 0c fd e0 da fe c4 12 | fd 0e 20 4d 4f 4e 45 59 |........|.. MONEY|
|00003c80| 20 46 41 43 54 20 fd e0 | fe c4 12 bf fd f0 20 ba | FACT ..|...... .|
|00003c90| b3 ff 0c fd e0 b3 ff 30 | b3 fd f0 20 ba b3 ff 0c |.......0|... ....|
|00003ca0| fd e0 b3 ff 30 b3 fd f0 | 20 ba b3 ff 0c fd e0 b3 |....0...| .......|
|00003cb0| ff 05 53 69 6e 63 65 20 | 31 39 35 30 2c 20 70 65 |..Since |1950, pe|
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|00003cd0| 65 6e 74 73 20 6f 66 ff | 06 b3 fd f0 20 ba b3 ff |ents of.|.... ...|
|00003ce0| 0c fd e0 b3 ff 05 41 6d | 65 72 69 63 61 6e 20 66 |......Am|erican f|
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|00003d10| ba fd f3 fe db 0b fd f0 | 20 20 fd e0 b3 ff 05 64 |........| .....d|
|00003d20| 69 73 70 6f 73 61 62 6c | 65 20 69 6e 63 6f 6d 65 |isposabl|e income|
|00003d30| 20 68 61 73 20 72 69 73 | 65 6e 20 66 72 6f 6d 20 | has ris|en from |
|00003d40| 31 30 25 20 74 6f ff 04 | b3 fd f0 20 ba fd 29 fe |10% to..|... ..).|
|00003d50| b1 0a fd f3 db fd f0 20 | 20 fd e0 b3 ff 05 6f 76 |....... | .....ov|
|00003d60| 65 72 20 32 30 25 2e ff | 22 b3 fd f0 20 ba fd 29 |er 20%..|"... ..)|
|00003d70| fe b1 0a fd f3 db fd f0 | 20 20 fd e0 b3 ff 30 b3 |........| ....0.|
|00003d80| fd f0 20 ba fd 29 fe b1 | 0a fd f3 db fd f0 20 20 |.. ..)..|...... |
|00003d90| fd e0 b3 ff 30 b3 fd f0 | 20 ba fd 29 fe b1 0a fd |....0...| ..)....|
|00003da0| f3 db fd f0 20 20 fd e0 | c0 fe c4 30 d9 fd f0 20 |.... ..|...0... |
|00003db0| ba fd 8f c9 fe cd 0a bb | fd f0 ff 34 ba fd 8f ba |........|...4....|
|00003dc0| 50 41 49 44 20 42 49 4c | 4c 53 ba fd f0 ff 34 ba |PAID BIL|LS....4.|
|00003dd0| fd 8f ba ff 03 c0 c4 c4 | d9 ff 03 ba fd f0 ff 34 |........|.......4|
|00003de0| ba fd 8f c8 fe cd 0a bc | fd f0 20 fd 6f ff 42 fd |........|.. .o.B.|
|00003df0| 60 da fe c4 2f bf fd 6f | 20 20 fd 60 da fe c4 0c |`.../..o| .`....|
|00003e00| fd 6f 20 fd 60 c0 fe c4 | 2f d9 fd 6f 20 20 fd 60 |.o .`...|/..o .`|
|00003e10| b3 fd 6f ff 0c 00 00 01 | 00 03 00 0c 00 18 00 4f |..o.....|.......O|
|00003e20| 00 52 2d 72 9a 26 04 f0 | da fe c4 11 20 41 53 50 |.R-r.&..|.... ASP|
|00003e30| 45 43 54 53 20 4f 46 20 | 42 41 44 20 44 45 42 54 |ECTS OF |BAD DEBT|
|00003e40| 20 fe c4 10 bf ff 0c b3 | c9 fe cd 0c 20 54 48 45 | .......|.... THE|
|00003e50| 20 50 53 59 43 48 4f 4c | 4f 47 59 20 4f 46 20 42 | PSYCHOL|OGY OF B|
|00003e60| 41 44 20 44 45 42 54 20 | fe cd 0c bb b3 ff 0c b3 |AD DEBT |........|
|00003e70| ba ff 34 ba b3 ff 0c b3 | ba 20 20 54 68 65 20 63 |..4.....|. The c|
|00003e80| 6f 6d 70 75 6c 73 69 76 | 65 20 64 65 62 74 6f 72 |ompulsiv|e debtor|
|00003e90| 20 67 65 74 73 20 74 72 | 61 70 70 65 64 20 69 6e | gets tr|apped in|
|00003ea0| 20 61 20 76 6f 72 74 65 | 78 2e ff 03 ba b3 ff 0c | a vorte|x.......|
|00003eb0| b3 ba 20 20 54 68 65 20 | 74 65 6d 70 6f 72 61 72 |.. The |temporar|
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|00003ed0| 61 69 6e 65 64 20 66 72 | 6f 6d 20 61 20 6e 65 77 |ained fr|om a new|
|00003ee0| ff 06 ba b3 ff 0c b3 ba | 20 20 70 75 72 63 68 61 |........| purcha|
|00003ef0| 73 65 20 71 75 69 63 6b | 6c 79 20 67 69 76 65 73 |se quick|ly gives|
|00003f00| 20 77 61 79 20 74 6f 20 | 61 6e 78 69 65 74 79 20 | way to |anxiety |
|00003f10| 61 6e 64 20 66 65 61 72 | ff 04 ba b3 ff 0c fd 8f |and fear|........|
|00003f20| bb fd f0 ba 20 20 77 68 | 65 6e 20 74 68 65 20 62 |.... wh|en the b|
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|00003f50| 61 72 69 73 65 73 20 20 | ba b3 ff 0c fd 8f ba fd |arises |........|
|00003f60| f0 ba 20 20 61 67 61 69 | 6e 2e 20 20 42 69 6c 6c |.. agai|n. Bill|
|00003f70| 73 20 61 72 65 20 69 67 | 6e 6f 72 65 64 2e 20 20 |s are ig|nored. |
|00003f80| 54 68 65 20 70 72 6f 62 | 6c 65 6d 20 69 73 ff 08 |The prob|lem is..|
|00003f90| ba b3 ff 0c fd 8f ba fd | f0 ba 20 20 73 75 72 70 |........|.. surp|
|00003fa0| 65 73 73 65 64 20 61 6e | 64 20 72 61 74 69 6f 6e |essed an|d ration|
|00003fb0| 61 6c 69 7a 65 64 2e 20 | 20 41 20 6e 65 77 20 70 |alized. | A new p|
|00003fc0| 75 72 63 68 61 73 65 20 | 6f 72 ff 04 ba b3 ff 0c |urchase |or......|
|00003fd0| fd 8f b9 fd f0 ba 20 20 | 6c 6f 61 6e 20 67 69 76 |...... |loan giv|
|00003fe0| 65 73 20 74 65 6d 70 6f | 72 61 72 79 20 72 65 6c |es tempo|rary rel|
|00003ff0| 69 65 66 20 62 75 74 20 | 64 65 62 74 73 20 6b 65 |ief but |debts ke|
|00004000| 65 70 ff 08 ba b3 ff 0c | fd 8f ba fd f0 ba 20 20 |ep......|...... |
|00004010| 72 69 73 69 6e 67 2e 20 | 20 54 68 65 20 63 6f 6d |rising. | The com|
|00004020| 70 75 6c 73 69 6f 6e 20 | 74 6f 20 64 65 62 74 20 |pulsion |to debt |
|00004030| 69 73 20 72 65 69 6e 66 | 6f 72 63 65 64 2e ff 04 |is reinf|orced...|
|00004040| ba fd f3 fe db 0b fd f0 | 20 20 fd 8f ba fd f0 ba |........| ......|
|00004050| ff 34 ba fd 29 fe b1 0a | fd f3 db fd f0 20 20 fd |.4..)...|..... .|
|00004060| 8f b9 fd f0 ba 20 20 54 | 68 65 20 72 6f 6f 74 20 |..... T|he root |
|00004070| 63 61 75 73 65 20 6f 66 | 20 74 68 69 73 20 63 6f |cause of| this co|
|00004080| 6d 70 75 6c 73 69 76 65 | 20 64 65 62 74 69 6e 67 |mpulsive| debting|
|00004090| 20 69 73 ff 06 ba fd 29 | fe b1 0a fd f3 db fd f0 | is....)|........|
|000040a0| 20 20 fd 8f ba fd f0 ba | 20 20 64 69 73 74 6f 72 | ......| distor|
|000040b0| 74 65 64 20 61 74 74 69 | 74 75 64 65 73 20 61 62 |ted atti|tudes ab|
|000040c0| 6f 75 74 20 6d 6f 6e 65 | 79 20 61 6e 64 20 73 65 |out mone|y and se|
|000040d0| 6c 66 2d 77 6f 72 74 68 | 2e ff 03 ba fd 29 fe b1 |lf-worth|.....)..|
|000040e0| 0a fd f3 db fd f0 20 20 | fd 8f ba fd f0 ba 20 20 |...... |...... |
|000040f0| 4d 61 6e 79 20 6f 66 20 | 74 68 65 73 65 20 61 74 |Many of |these at|
|00004100| 74 69 74 75 64 65 73 20 | 61 6e 64 20 70 65 72 63 |titudes |and perc|
|00004110| 65 70 74 69 6f 6e 73 20 | 61 72 65 ff 07 ba fd 29 |eptions |are....)|
|00004120| fe b1 0a fd f3 db fd f0 | 20 20 fd 8f b9 fd f0 ba |........| ......|
|00004130| 20 20 73 75 62 63 6f 6e | 73 63 69 6f 75 73 2e 20 | subcon|scious. |
|00004140| 20 4f 76 65 72 63 6f 6d | 69 6e 67 20 63 6f 6d 70 | Overcom|ing comp|
|00004150| 75 6c 73 69 76 65 20 64 | 65 62 74 69 6e 67 ff 06 |ulsive d|ebting..|
|00004160| ba fd 8f c9 fe cd 0a bb | fd f0 20 fd 8f ba fd f0 |........|.. .....|
|00004170| ba 20 20 72 65 71 75 69 | 72 65 73 20 6c 65 61 72 |. requi|res lear|
|00004180| 6e 69 6e 67 20 74 6f 20 | 72 65 63 6f 67 6e 69 7a |ning to |recogniz|
|00004190| 65 20 74 68 65 73 65 20 | 61 74 74 69 74 75 64 65 |e these |attitude|
|000041a0| 73 ff 04 ba fd 8f ba 50 | 41 49 44 20 42 49 4c 4c |s......P|AID BILL|
|000041b0| 53 ba fd f0 20 fd 8f ba | fd f0 ba 20 20 61 6e 64 |S... ...|... and|
|000041c0| 20 67 61 69 6e 69 6e 67 | 20 63 6f 6e 73 63 69 6f | gaining| conscio|
|000041d0| 75 73 20 63 6f 6e 74 72 | 6f 6c 20 6f 76 65 72 20 |us contr|ol over |
|000041e0| 74 68 65 6d 2e ff 0a ba | fd 8f ba ff 03 c0 c4 c4 |them....|........|
|000041f0| d9 ff 03 ba fd f0 20 fd | 8f bc fd f0 ba ff 34 ba |...... .|......4.|
|00004200| fd 8f c8 fe cd 0a bc fd | f0 20 fd 6f ff 44 fd 60 |........|. .o.D.`|
|00004210| c4 bf fd 6f 20 20 fd 60 | da fe c4 2f bf fd 6f 20 |...o .`|.../..o |
|00004220| 20 fd 60 da fe c4 0c fd | 6f 20 fd 60 b3 fd 6f 20 | .`.....|o .`..o |
|00004230| 20 fd 60 c0 fe c4 2f d9 | fd 6f 20 20 fd 60 b3 fd | .`.../.|.o .`..|
|00004240| 6f 20 50 61 67 65 20 31 | 20 6f 66 20 32 00 00 01 |o Page 1| of 2...|
|00004250| 00 03 00 05 00 18 00 4f | 00 56 8b 71 8c a1 04 f0 |.......O|.V.q....|
|00004260| ff 07 da fe c4 11 20 41 | 53 50 45 43 54 53 20 4f |...... A|SPECTS O|
|00004270| 46 20 42 41 44 20 44 45 | 42 54 20 fe c4 10 bf ff |F BAD DE|BT .....|
|00004280| 0c c9 fe cd 14 20 54 48 | 45 20 50 53 59 43 48 4f |..... TH|E PSYCHO|
|00004290| 4c 4f 47 59 20 4f 46 20 | 42 41 44 20 44 45 42 54 |LOGY OF |BAD DEBT|
|000042a0| 20 fe cd 14 bb ff 05 ba | ff 06 54 68 65 20 74 61 | .......|..The ta|
|000042b0| 62 6c 65 20 62 65 6c 6f | 77 20 73 68 6f 77 73 20 |ble belo|w shows |
|000042c0| 73 6f 6d 65 20 74 79 70 | 69 63 61 6c 20 62 61 64 |some typ|ical bad|
|000042d0| 20 64 65 62 74 20 61 74 | 74 69 74 75 64 65 73 20 | debt at|titudes |
|000042e0| 61 6e 64 ff 05 ba ff 05 | ba ff 06 61 70 70 72 6f |and.....|...appro|
|000042f0| 70 72 69 61 74 65 20 72 | 65 73 70 6f 6e 73 65 73 |priate r|esponses|
|00004300| 20 74 6f 20 63 6f 75 6e | 74 65 72 20 74 68 65 6d | to coun|ter them|
|00004310| 3a ff 18 ba ff 05 ba fd | 2f ff 0b 41 54 54 49 54 |:.......|/..ATTIT|
|00004320| 55 44 45 ff 0c b3 ff 0e | 52 45 53 50 4f 4e 53 45 |UDE.....|RESPONSE|
|00004330| ff 0e fd f0 ba ff 05 ba | 20 49 27 6d 20 6c 6f 6e |........| I'm lon|
|00004340| 65 6c 79 2e 20 20 49 27 | 6d 20 62 6f 72 65 64 2e |ely. I'|m bored.|
|00004350| 20 53 6f 20 6f 66 66 b3 | 44 65 62 74 69 6e 67 20 | So off.|Debting |
|00004360| 6f 6e 6c 79 20 6d 61 6b | 65 73 20 69 74 20 77 6f |only mak|es it wo|
|00004370| 72 73 65 20 62 79 20 70 | 65 72 2d 20 ba ff 05 ba |rse by p|er- ....|
|00004380| 20 74 6f 20 74 68 65 20 | 6d 61 6c 6c 20 49 20 67 | to the |mall I g|
|00004390| 6f 2e ff 0d b3 70 65 74 | 75 61 74 69 6e 67 20 63 |o....pet|uating c|
|000043a0| 79 63 6c 65 2e 20 20 53 | 65 65 6b 20 6d 6f 72 65 |ycle. S|eek more|
|000043b0| 20 6c 61 73 74 69 6e 67 | 20 ba ff 05 ba ff 1f b3 | lasting| .......|
|000043c0| 73 61 74 69 73 66 61 63 | 74 69 6f 6e 73 20 61 6e |satisfac|tions an|
|000043d0| 64 20 73 69 6d 70 6c 65 | 20 70 6c 65 61 73 75 72 |d simple| pleasur|
|000043e0| 65 73 2e 20 ba ff 05 ba | fd 2f 20 49 20 64 65 73 |es. ....|./ I des|
|000043f0| 65 72 76 65 20 69 74 2c | 20 49 20 77 6f 72 6b 20 |erve it,| I work |
|00004400| 68 61 72 64 2c 20 49 27 | 6d b3 59 6f 75 20 61 72 |hard, I'|m.You ar|
|00004410| 65 20 77 6f 72 74 68 77 | 68 69 6c 65 20 62 75 74 |e worthw|hile but|
|00004420| 20 64 65 62 74 69 6e 67 | 20 77 69 6c 6c 20 fd f0 | debting| will ..|
|00004430| ba ff 05 ba fd 2f 20 77 | 6f 72 74 68 20 69 74 2c |...../ w|orth it,|
|00004440| 20 49 20 67 6f 74 20 61 | 20 72 61 69 73 65 2c 20 | I got a| raise, |
|00004450| 65 74 63 2e 20 b3 6e 6f | 74 20 73 75 62 73 74 61 |etc. .no|t substa|
|00004460| 6e 74 69 61 74 65 20 69 | 74 2e ff 10 fd f0 ba ff |ntiate i|t.......|
|00004470| 05 ba 20 49 27 6d 20 77 | 6f 72 74 68 6c 65 73 73 |.. I'm w|orthless|
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|00004db0| fd 8f cc fe cd 0a b9 fd | f0 20 20 4c 65 74 27 73 |........|. Let's|
|00004dc0| 20 6c 6f 6f 6b 20 61 74 | 20 61 20 74 79 70 69 63 | look at| a typic|
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|00004e90| 09 fd 8f ba 50 41 49 44 | 20 42 49 4c 4c 53 ba fd |....PAID| BILLS..|
|00004ea0| f0 20 20 fd 8f ba ff 03 | c0 c4 c4 d9 ff 03 ba fd |. .....|........|
|00004eb0| f0 20 fd fc fe db 04 cd | bb fd f0 ff 25 fd f8 b3 |. ......|....%...|
|00004ec0| 20 c4 c4 df df c4 c4 20 | 20 fd 8f ba ff 03 c0 c4 | ...... | .......|
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|00004f00| 20 fd 6f ff 50 fd 60 fe | c4 0d bf fd 6f 20 20 fd | .o.P.`.|....o .|
|00004f10| 60 da fe c4 2f bf fd 6f | 20 20 fd 60 da fe c4 0c |`.../..o| .`....|
|00004f20| fd 6f 20 43 4f 4e 54 49 | 4e 55 45 11 c4 d9 20 fd |.o CONTI|NUE... .|
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|00004f40| 20 fd 60 b3 fd 6f 20 45 | 58 49 54 20 3c 45 73 63 | .`..o E|XIT <Esc|
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|00004f80| b3 ff 0c fd 2f b3 ff 04 | 54 6f 20 6a 6f 69 6e 20 |..../...|To join |
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|00005020| fd 2f b3 ff 07 fd 2e 4e | 65 77 20 59 6f 72 6b 2c |./.....N|ew York,|
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|00005050| 2d 36 34 32 2d 38 fe 32 | 03 ff 09 fd 2f ff 16 b3 |-642-8.2|..../...|
|00005060| fd f0 ba b3 ff 0c fd 2f | b3 ff 04 46 6f 72 20 63 |......./|...For c|
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|00005080| 20 63 6f 6e 74 61 63 74 | 3a ff 10 b3 fd f0 ba b3 | contact|:.......|
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|000050a0| 4c 20 46 4f 55 4e 44 41 | 54 49 4f 4e 20 46 4f 52 |L FOUNDA|TION FOR|
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|000050c0| fd 2f ff 04 b3 fd f0 ba | fd f3 fe db 0b fd f0 20 |./......|....... |
|000050d0| 20 fd 2f b3 ff 07 fd 2e | 38 37 30 31 20 47 65 6f | ./.....|8701 Geo|
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|00005130| 20 20 fd 2f b3 20 20 4e | 6f 6e 70 72 6f 66 69 74 | ./. N|onprofit|
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|000051b0| 29 fe b1 0a fd f3 db fd | f0 20 20 fd 2f b3 20 20 |).......|. ./. |
|000051c0| 6c 65 6e 69 65 6e 74 20 | 72 65 70 61 79 6d 65 6e |lenient |repaymen|
|000051d0| 74 20 74 65 72 6d 73 20 | 74 68 61 6e 20 79 6f 75 |t terms |than you|
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|000053d0| fd 2f ff 03 04 20 4d 61 | 6e 79 20 62 61 6e 6b 73 |./... Ma|ny banks|
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|000057a0| 73 6f 6c 69 64 61 74 65 | 20 79 6f 75 72 ff 04 fd |solidate| your...|
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|000057c0| 6f 6e 61 6c 20 64 65 62 | 74 2e 20 20 59 6f 75 20 |onal deb|t. You |
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|00005d90| 45 52 53 4f 4e 41 4c 20 | 4c 4f 41 4e 53 ff 1c fd |ERSONAL |LOANS...|
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|00005e40| 20 20 49 64 65 61 6c 6c | 79 2c 20 68 65 20 73 68 | Ideall|y, he sh|
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|00005eb0| 03 fd 2f ff 46 fd f0 ff | 06 fd 8f ba ff 03 fd 2f |../.F...|......./|
|00005ec0| ff 05 4a 6f 65 20 72 65 | 66 69 6e 61 6e 63 65 64 |..Joe re|financed|
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|00005f90| 03 fd 8f cc fe cd 03 fd | 2f ff 46 fd 8f fe cd 03 |........|/.F.....|
|00005fa0| bb fd f0 20 20 fd 8f ba | ff 03 fd 2f ff 46 fd 8f |... ...|.../.F..|
|00005fb0| 4c 4c 53 ba fd f0 20 20 | fd 8f ba ff 03 fd 2f ff |LLS... |....../.|
|00005fc0| 46 fd 8f ff 03 ba fd f0 | 20 20 fd 8f c8 fd 0f fe |F.......| ......|
|00005fd0| cd 04 fd 8f fe cd 06 bc | fd f0 20 fd fc fe db 04 |........|.. .....|
|00005fe0| cd bc fd f0 ff 25 fd f8 | b3 20 fe ba 06 20 20 fd |.....%..|. ... .|
|00005ff0| 8f c8 fe cd 0a bc fd f0 | 20 fd 6f ff 50 fd 60 fe |........| .o.P.`.|
|00006000| c4 0d bf fd 6f 20 20 fd | 60 da fe c4 2f bf fd 6f |....o .|`.../..o|
|00006010| 20 20 fd 60 da fe c4 0c | fd 6f 20 43 4f 4e 54 49 | .`....|.o CONTI|
|00006020| 4e 55 45 11 c4 d9 20 fd | 60 b3 fd 6f 20 20 fd 60 |NUE... .|`..o .`|
|00006030| c0 fe c4 2f d9 fd 6f 20 | 20 fd 60 b3 fd 6f ff 0c |.../..o | .`..o..|
|00006040| 00 00 01 00 00 00 04 00 | 13 00 4b 00 08 e5 a2 7c |........|..K....||
|00006050| 4f 03 2f da fe c4 14 20 | 57 48 41 54 20 4b 49 4e |O./.... |WHAT KIN|
|00006060| 44 20 4f 46 20 41 20 55 | 53 45 52 20 41 52 45 20 |D OF A U|SER ARE |
|00006070| 59 4f 55 3f 20 fe c4 14 | bf b3 20 20 44 65 70 65 |YOU? ...|.. Depe|
|00006080| 6e 64 69 6e 67 20 6f 6e | 20 74 68 65 20 6b 69 6e |nding on| the kin|
|00006090| 64 20 6f 66 20 63 72 65 | 64 69 74 20 63 61 72 64 |d of cre|dit card|
|000060a0| 20 75 73 65 72 20 79 6f | 75 20 61 72 65 2c 20 74 | user yo|u are, t|
|000060b0| 68 65 73 65 20 61 72 65 | 20 73 6f 6d 65 ff 03 b3 |hese are| some...|
|000060c0| b3 20 20 74 79 70 69 63 | 61 6c 20 63 72 65 64 69 |. typic|al credi|
|000060d0| 74 20 63 61 72 64 20 63 | 6f 6e 66 69 67 75 72 61 |t card c|onfigura|
|000060e0| 74 69 6f 6e 73 20 79 6f | 75 20 6d 69 67 68 74 20 |tions yo|u might |
|000060f0| 63 6f 6e 73 69 64 65 72 | 3a ff 0e b3 b3 20 20 fd |consider|:.... .|
|00006100| e4 55 fd 2e 73 65 72 20 | 54 79 70 65 ff 05 fd 2f |.U..ser |Type.../|
|00006110| b3 fd 2e 49 6e 74 65 72 | 65 73 74 20 52 61 74 65 |...Inter|est Rate|
|00006120| fd 2f b3 fd 2e 41 6e 6e | 75 61 6c 20 46 65 65 fd |./...Ann|ual Fee.|
|00006130| 2f b3 fd 2e 47 72 61 63 | 65 20 50 65 72 69 6f 64 |/...Grac|e Period|
|00006140| fd 2f b3 fd 2e 48 69 64 | 64 65 6e 20 46 65 65 73 |./...Hid|den Fees|
|00006150| 28 2a 29 20 fd 2f b3 c3 | fe c4 10 c5 fe c4 0d c5 |(*) ./..|........|
|00006160| fe c4 0a c5 fe c4 0c c5 | fe c4 0f b4 b3 20 20 52 |........|..... R|
|00006170| 65 76 6f 6c 76 65 72 20 | 63 61 72 64 3a b3 ff 0d |evolver |card:...|
|00006180| b3 ff 0a b3 ff 0c b3 ff | 0f b3 b3 ff 03 48 69 67 |........|.....Hig|
|00006190| 68 20 62 61 6c 61 6e 63 | 65 20 b3 ff 04 31 31 2e |h balanc|e ...11.|
|000061a0| 35 30 25 ff 03 b3 20 20 | 24 20 32 30 ff 04 b3 ff |50%... |$ 20....|
|000061b0| 03 32 35 20 64 61 79 73 | 20 20 b3 ff 06 fb ff 08 |.25 days| ......|
|000061c0| b3 c3 fe c4 10 c5 fe c4 | 0d c5 fe c4 0a c5 fe c4 |........|........|
|000061d0| 0c c5 fe c4 0f b4 b3 20 | 20 4c 6f 77 20 62 61 6c |....... | Low bal|
|000061e0| 61 6e 63 65 ff 03 b3 ff | 04 31 33 2e 33 30 25 ff |ance....|.13.30%.|
|000061f0| 03 b3 20 20 4e 6f 20 66 | 65 65 20 20 b3 ff 03 4e |.. No f|ee ...N|
|00006200| 6f 6e 65 ff 05 b3 ff 06 | fb ff 08 b3 c3 fe c4 10 |one.....|........|
|00006210| c5 fe c4 0d c5 fe c4 0a | c5 fe c4 0c c5 fe c4 0f |........|........|
|00006220| b4 b3 20 20 41 76 65 72 | 61 67 65 2d 75 73 65 72 |.. Aver|age-user|
|00006230| 20 20 b3 ff 0d b3 ff 0a | b3 ff 0c b3 ff 0f b3 b3 | ......|........|
|00006240| ff 03 63 61 72 64 3a ff | 08 b3 ff 04 31 34 2e 37 |..card:.|....14.7|
|00006250| 35 25 ff 03 b3 20 20 4e | 6f 20 66 65 65 20 20 b3 |5%... N|o fee .|
|00006260| ff 03 32 35 20 64 61 79 | 73 20 20 b3 ff 0f b3 c3 |..25 day|s .....|
|00006270| fe c4 10 c5 fe c4 0d c5 | fe c4 0a c5 fe c4 0c c5 |........|........|
|00006280| fe c4 0f b4 b3 20 20 43 | 6f 6e 76 65 6e 69 65 6e |..... C|onvenien|
|00006290| 63 65 2d 20 20 b3 ff 0d | b3 ff 0a b3 ff 0c b3 ff |ce- ...|........|
|000062a0| 0f b3 b3 ff 03 75 73 65 | 72 20 63 61 72 64 3a ff |.....use|r card:.|
|000062b0| 03 b3 ff 04 31 38 2e 30 | 30 25 ff 03 b3 20 20 4e |....18.0|0%... N|
|000062c0| 6f 20 66 65 65 20 20 b3 | ff 03 32 35 20 64 61 79 |o fee .|..25 day|
|000062d0| 73 20 20 b3 ff 0f b3 c3 | fe c4 10 c1 fe c4 0d c1 |s .....|........|
|000062e0| fe c4 0a c1 fe c4 0c c1 | fe c4 0f b4 b3 20 20 2a |........|..... *|
|000062f0| 20 42 65 77 61 72 65 20 | 74 68 61 74 20 73 6f 6d | Beware |that som|
|00006300| 65 20 63 61 72 64 73 20 | 68 61 76 65 20 68 69 67 |e cards |have hig|
|00006310| 68 20 6d 61 6e 64 61 74 | 6f 72 79 20 63 72 65 64 |h mandat|ory cred|
|00006320| 69 74 20 69 6e 73 75 72 | 61 6e 63 65 ff 07 b3 b3 |it insur|ance....|
|00006330| ff 04 63 68 61 72 67 65 | 73 20 77 68 69 63 68 20 |..charge|s which |
|00006340| 63 6f 75 6c 64 20 62 6f | 6f 73 74 20 79 6f 75 72 |could bo|ost your|
|00006350| 20 65 66 66 65 63 74 69 | 76 65 20 69 6e 74 65 72 | effecti|ve inter|
|00006360| 65 73 74 20 72 61 74 65 | 20 74 6f 20 61 73 ff 06 |est rate| to as..|
|00006370| b3 b3 ff 04 68 69 67 68 | 20 61 73 20 35 25 20 6d |....high| as 5% m|
|00006380| 6f 72 65 20 74 68 61 6e | 20 74 68 65 20 73 74 61 |ore than| the sta|
|00006390| 74 65 64 20 72 61 74 65 | 2e ff 1d b3 c0 fe c4 46 |ted rate|.......F|
|000063a0| d9 00 00 01 00 04 00 05 | 00 15 00 4a 00 08 80 83 |........|...J....|
|000063b0| 8c 99 01 2f ff 4c c9 fe | cd 38 bb ff 0c ba ff 38 |.../.L..|.8.....8|
|000063c0| ba ff 06 fe c4 06 ba 20 | fd 0f 52 65 76 6f 6c 76 |....... |..Revolv|
|000063d0| 65 72 2d 75 73 65 72 fd | 2f 3a 20 59 6f 75 20 6d |er-user.|/: You m|
|000063e0| 61 6b 65 20 6c 6f 6e 67 | 20 74 65 72 6d 20 70 61 |ake long| term pa|
|000063f0| 79 6d 65 6e 74 73 20 61 | 6e 64 20 72 65 70 61 79 |yments a|nd repay|
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