Consumers are spending on credit again, in a big way. U.S. credit-card balances are on track to hit $1 trillion dollars this year, according to the Wall Street Journal. Hitting the trillion mark would edge up to the all-time peak of $1.02 trillion dollars set in July 2008, just before the financial crisis. Meanwhile S & P reports that corporate debt is now reaching pre-2008 levels. Steve and Sinclair have the alarming details. In the Q & A, Steve answers questions on annuities.