As of january 2011, nonmortgage consumer debt had increased for the fourth straight month. at the same time, credit card debt fell to a six-year low point. excluding mortgages, how can it be that consumer debt is rising while credit card debt is falling?

Gyou are in charge of making the work schedule for the next two weeks. typically this is not a difficult task as you work at a routine 8am – 5pm company. however, over the next two weeks you are required to schedule someone to be in the office each saturday. after contemplating this for a few days you make the schedule and assignments. before posting the schedule for everyone you decide that it is a good idea to meet personally with the two people you have scheduled to work the weekend. what do you say to them? what is your desired outcome?