Cutting out your use of credit cards means time-consuming trips to the ATM and extra service charges from increased debit card use.

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But it is costly and time-consuming for individuals to gather such credit information.

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Your group, together with the groups at the Hadley Centre, Yale, NOAA ARL and NOAA GFDL, deserve great credit for making significant progress on a difficult, time-consuming, yet important problem.

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If you end up consuming less energy than estimated, you'll get a credit.

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With lowered credit scores and compromised reputations, recovery was frustrating, expensive and time-consuming.

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Thus what may appear to be a low-level incident, since the most sensitive information was not compromised, can be just as complex and time-consuming to clean up as a widespread loss of medical records or credit card numbers.

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Credit has been tight the past few years, and many owners complain that time consuming and costly regulations are creating roadblocks.

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