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