Watch this! It explains it with wonderful graphics. It is American but stay with it.
The Crisis of Credit Visualized from Jonathan Jarvis on Vimeo.
New Zealand Defence Force
4 hours ago
Focuses on the pluses of being 50 plus and provides the latest statistics, case studies and stories about the healthiest, wealthiest and longest living generation in history. This is the back up to The Rainbow Years:The Pluses of Being 50+.