> and have very low rates, The rates used to be very low. They are no longer very low. Lower than 16% yes, but 9% is not uncommon. The much-higher-than-inflat

> and have very low rates, The rates used to be very low. They are no longer very low. Lower than 16% yes, but 9% is not uncommon. The much-higher-than-inflation rate turns a languishing undischragable loan into a debilitating time-bomb.