We explore real-life reformation here in this informed, online community.
Not the personal sub;
the private American car. Americans owe $1.66 trillion in auto debt. Delinquencies just hit levels not seen since the Great Financial Crisis. Nearly 30% of all trade-ins are underwater. Average amount owed: $7,000 more than their cars are worth.
Auto loans are now a bigger consumer debt category than student loans (8.9%) and significantly larger than credit cards (6.6%).
So is that shiny late model vehicle a blessing, or a curse?
Against Utah Valley University for negligence and wrongful acts.
https://static.foxnews.com/foxnews.com/content/uploads/2026/09/2026-09-09_Notice_of_Claim_Final.pdf
“Old men declare war. Young men die for it.”
Herbert Hoover, Chairman of the American Relief Administration mission to Europe and later post-revolutionary Russia after World War I, which fed millions of starving war survivors.
