Regulators from Europe and the U.S. came up with an agreement that would force Banks to keep more capital on hand, as a cushion when loans go bad.

It has raised your health insurance premiums and left your employer with less money to give you a decent raise.

I've used up all my credit and either I find a place to borrow money in a hurry or I won't be able to meet my payroll Saturday or buy enough food for us to stay open next week.