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[guitarcries]

We broke in the new gym last night. I didn't work out too hard, so I'm barely feeling sore today... just a little in my arms since I did some upper body strength training. Next time I have to work a bit harder, I think. I felt really good afterwards, though. I hope I can really stick to it this time... hopefully having Justin going with me will

Comments

[mr_shake]

You just need a montage.

[nicoli_dominn]

No, it means American Express just wants to raise their revenue with the interest and fees you would end up paying. They'll still deny your application if they don't like your credit score, and these days, credit scores have to be very high for any kind of loan. The thing is that although a lot of companies went to shit for making bad loans, they also didn't make sure their customers really qualified for or could afford to pay the loans, which meant that they lost money. Other companies (particularly banks) who haven't suffered from loan stupidity actually need to give out more loans now to bring in revenue from the interest and fees and make up for the loss of deposits as a result of the Feds cutting the prime interest rates and thereby forcing banks to lower theirs. It's complicated...but basically, any company that gives out loans needs to loan more now than ever. They're just going to have a hard time doing it because they also don't want to risk BAD loans.