#1: Has it somehow become the proper thing to do for people to interrupt talking to one person in favour of someone who just shows up seconds later? It's just bloody rude to multi-task like that.
#2: If there is a default and the interest rates go up how does affect people who pay on time and don't pay interest on anything? Or people that have set interest rates?
#3: I have Elder Scrolls IV: Oblivion and it is super awesome!!!!!!