"It's spectacular, " says Frederic de Sauvage, a hedgehog researcher at Genentech.

FORBES: Magazine Article

"The worry that's developing is that debt is being pushed onto borrowers who might not have the capacity to repay, " says Frederic Neumann, co-head of Asian economic research for HSBC Holdings PLC.

WSJ: Loans Surge to Asia's Growing Middle Class

Just as in school, says Frederic Huynh, senior principal scientist at FICO, "even if you fail one class as a freshman, you can still graduate with honors" if the rest of your record is good.

WSJ: Getting Going: How to Score a High Credit Score