if your priority is to get out of debt, in five years your chapter 13 is done and you have no more credit card debt. therefore, passengers at risk should be aware of the necessary measures to prevent and manage these emergencies. sadly in my role, which is technical, i have little say in what happens in this respect, which i hope one day will change! good to see that it can work so well. this is a wide-open q&a format, so bring your pressing questions. you can thank the arrangement company for the eye candy! ice cream is my comfort food. 