Like much infrastructure, people use it pretty much as they please without credit to those who built it or respect for the rest of us.

FORBES: Geek Ethos Wreaks Havoc

Credit (please) where it's due: on Thursday, yesterday and today, the BBC has covered the historic agreement on new capital and liquidity rules for banks in the main body of its bulletins.

BBC: Why have we left bank reform to technocrats?

So please continue to do that because if you don't pay your mortgage, it will affect your credit rating and that will affect your money -- your ability to raise money, to borrow money at a good interest rate.

CNN: Velshi: Please, keep paying your mortgage