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On his day off from the circus, Paddy, a performing Irish terrier, spends a delightful day in a country town.

In the U.S., payday lending (PL) is a $40 billion a year industry. A PL is a small-dollar loan -- from $100 to $500 and re-payable in about two weeks. Consumers

You, are a twenty-something with a college degree, the debt that goes with it, and a countertop full of rejection letters telling you that your first novel is a

Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a