I read these articles recently, and thought you might like them as much as I did:
http://www.latimes.com/news/opinion/commentary/la-oe-frank-darwin-economics-20111018,0,5949996.story
http://www.nytimes.com/2011/10/12/opinion/wal-marts-layaway-plan.html?_r=1&partner=rssnyt&emc=rss
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