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Message:: [QUOTE="risk_reward, post: 1921289, member: 12702"]Well to me it's self evident, but the conclusion of the study below sums it up well. The Credit Research CenterSchool of Business Georgetown UniversityWashington, D.C. "The preceding chapter has shown clearly that, in relation to the control group of shoppers who have never borrowed from pawnshops, pawnshop borrowers generally have lower and more uncertain incomes. That income is less likely to be protected by health insurance. They are less equipped than non-pawners to deal with unexpected declines in their incomes or increases in their expenses. In relation to the control group, they are younger, less educated and demonstrate less experience with the world of finance. There is every indication that these differences would hold, and be even greater, were it possible to compare even more of the characteristics of pawnshop customers to those of the national population." <a href="http://faculty.msb.edu/prog/CRC/pdf/Mono34.pdf" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://faculty.msb.edu/prog/CRC/pdf/Mono34.pdf" rel="nofollow">http://faculty.msb.edu/prog/CRC/pdf/Mono34.pdf</a>[/QUOTE]