" I didn't think about it that way," Lucy said."They will also account for a major portion of the bad debt because it really isn't backed up by much b...yond the properties they owe mortgages on," William said."Depending on the size of the debts, that could really put a squeeze on the banks," Lucy said.Nodding his head in agreement, William said, "We are going to see a collapse of the credit companies when people can't pay their debts. Right about here, one of the major credit card companies is. Summerfield."Pat nodded. "I'm afraid that he... and I go way back. He has nevergotten over high school." At Leslie's questioning look, Pat added, "RonKaylock, Sheriff Jackson, and I were in school together. Even though wewere all on the football team, the girls preferred to be around me. Wehad a few fights about the fact that they couldn't get dates when Icould."They got thrown off the team in their senior year for bullying. Theonly reason they weren't in jail is because Royce's father. More

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