>> "When you're in debt, you're in part beholden to your creditors. Ask anyone with a mortgage." heh No I'm not (I have a mortgage). I'm using the banks money,

>> "When you're in debt, you're in part beholden to your creditors. Ask anyone with a mortgage." heh No I'm not (I have a mortgage). I'm using the banks money, and investing it to make a pretty handsome return. (I'm in the UK, property prices are doing pretty well). Debt is useful to build big stuff. As far as I see it, 37signals aren't building big stuff, so they don't need debt.