Jesus answered, Verily, verily, I say unto thee, Except a man be born of water and of the Spirit, he cannot enter into the kingdom of God. That which is born of the flesh is flesh; and that which is born of the Spirit is spirit. Marvel not that I said unto thee, Ye must be born again. John 3:5-7

Things Are Quiet in Consumer Credit. Too Quiet.

Credit-card delinquencies seem to have peaked, for now.

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