ult happiness. Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery." - Wilkins Micawber, David Coppeifield (Charles Dickens's 1850 novel) "A thinker sees his own actions as experiments and questions-as attempts to find out something. Success and failure are for him answers

the road to ruin and the failure to repay as a breach of trust. In the 18th and 19th century debtors in Britain were often thrown into jail (as in Charles Dickens's "Little Dorrit"), though Samuel Johnson spotted the flaws of the practice: "We have now imprisoned one generation of debtors after another, but we d