Exercise 8.1

• Dear Frank:

• No, you can’t have a C’est Bon credit card--at least not right now. Get your financial house in order and try again.

• Fortunately for you, there’s an alternative. Put what you want on layaway. The furniture you want will be held for you, and paying a bit each week or month will be good for self-discipline.

• Enjoy your C’est Bon furniture!

• Sincerely,