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Until everyday folks discover that cellphone, Internet, dish TV and lottery tickets are not the top priority when it comes to paying bills, will they discover that there are establishments in this world that are willing to loan at outrageous rates. I agree that these places are criminal in there fees, but until financial laws are changed we have to be smart in our choices. Mr. Claiborne, I enjoy your reporting, but let us not make the ignorant of this world the innocent victims.