(S (S (NP (BASENP (DT The) (JJ collective) (NN credit) (NN card) (NN debt)) (PP (IN of) (BASENP (NNPS Americans)))) (VP (VBZ totals) (BASENP (DT an) (JJ estimated) (QP (DOLLAR US$) (NN 900) (NN billion))))) (PERIOD .))