::I find the general level of wiki editors to be so low that I would not lend my good name to your benefit. Notice above the great imitation of of a village idiot done by Lawrencekhoo, who can't quite comprehend that higher interest rates benefit savers and punish debtors. The fact that a second wiki editor thinks it is OR to say that "you can't spend money you don't have" is a close runner up in the race for best village idiot. Are you going to ban me now for answering your question?