FSA, said the paper, was intending to review or even eliminate the grey zone, in order to reduce the number of personal bankruptcies.

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The Grey Zone lawsuits are symptoms of a far more significant effort by the government of Japan to regulate consumer finance more strictly and ultimately impose ceilings on interest rates somewhere between 10 and 15 percent.

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The very large grey zone is irrelevant to the forecasts that were made.

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In the death zone between the rock shoals and the breakers, two grey seals float and turn, fishing, peering, wallowing like fat ladies in a spa pool.

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"The issue with Chromebook is the fact that it is in a sort of grey zone, " he said.

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In the midst of a cacophony of cars and cabs on the historic cobblestones at Gansevoort Street is a grey metal staircase leading up to a zone of relative quiet amid a grove of birch trees.

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