I dunno.  Maybe creditors started getting a lot 
less lenient and all the impulse-buying is coming 
back to smack 'em in the ass.  

Though I bet someone's going to blame it on 
fancels.  *puts on her devil horns* WAHAHA!  MY 
PLAN HAS COME TO FRUITION!  NOW THE MARKET HAS 
COLLAPSED AND ALL THE CELS OF THE WORLD WILL BE 
MINE!

Just kiddin ^_~