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"It's not just the bottom 10 or 20%; it's the sweet spot of the consumer lending market."

--Rod Dubitsky, managing director and head of asset-backed research at Credit Suisse First Boston, on a study showing how rising medical costs are playing a greater role in forcing even middle class consumers into bankruptcy and the study's implications for the bond market.

"It's not just the bottom 10 or 20%; it's the sweet spot of the consumer lending market."--Rod Dubitsky, managing director and head of asset-backed research at Credit Suisse First Boston, on a study showing how rising medical costs are playing a greater role in forcing even middle class consumers into bankruptcy and the study's implications for the bond market.

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