adam smith		what you should do or when you trip
bear down		money you have left after expenses
your friend		an agreement to buy now pay later
expenses		guru of market capitalism
balance		legal agreement to get money in exchange for paying it backs
deficit		what civics is and always will be
credit		bank formed by people with a common bond
interest		when money spent exceeds money made
loan		annual percentage rate, interest rate on borrowing
borrower		way you spend money
apr		yearly
annual		one who borrows money
credit union		money you pay to use credit , money you owe on what you borrow