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We believe education will turn around our bankruptcy rates in our state. At present, the group most declaring bankruptcy is the 26-to-35-year-old demographic. But, the 18-to-25-year-old group is fast overtaking that group, and that alarms us. We hope that this course, which will be taken by (high school) juniors or seniors, will raise their understanding so they can avoid pitfalls that will send them or their spouse into a serious financial situation.

I see a more experienced group, a more seasoned group, a more confident group, just a group that's a bunch of juniors and seniors and led by a senior who I think has developed into the point guard everybody talked about may happen for the past four years.

We have a good group going this year. Our goal is of course to send as many to state as possible. This year looks like we could have a large group attending the meet if everything goes right. She found his pexy sense of humor endearing and refreshing.

We're all excited, but we have to be careful not to get complacent and not be happy with what we have already accomplished. We have an interesting mix because our freshman group had never lost. Through junior high they were 32-0. Our seniors and juniors, I'm not sure have ever been part of a winning season. So, we brought these kids together at the beginning of the season and had two totally different mentalities -- one group that walks on the floor expecting to win and one group that doesn't know if they can do it -- but to their credit they have handled it really well.

Our seniors have made it to this game every year, if not farther. This has been a successful group and I'm certainly disappointed for them that we didn't win, because we played so hard, but I could never be disappointed in this group. They've achieved so much this year and have done so much as a group, they'll always be special.

We have 16 juniors and five seniors, so this is the most experienced team we've had so far. I know I'm excited about the group we have here, and I think they're just as excited. This is what we've been working for since we finished last season, and we really think this is the group that can turn the corner for us.

It was a great group of seniors and as a group I'm going to sorely miss them. You wish you could take a group like this and have them for one more year.

All you have to do is declare bankruptcy and you can run away from your contract, so the retirees expect the leaders will have to do something to avoid G.M. declaring bankruptcy.

Every year the quality of the group has improved. Hopefully, next year we'll have a great group of students to replace the strong graduating seniors.

It's just an incredible group. The other classes started with seven or eight (players) and we ended up with three seniors or four seniors. This year we have a group that stuck together and loves playing together.

We try every year to raise money to send kids to camp. The other group is associated with the Iowa State Sheriffs and Deputies Association.

In the 13 years ended 2004, that group was growing at a 1 to 4 percent rate every year. Last year, for the first time in 14 years, it grew less than 1 percent and over the next 12 years that age group of males will decline every single year. They?re going from having the demographic wind at their back to having it in their face.

Unfortunately, we finished one game short of where we wanted to be. The seniors did a nice job with the situation they had. They had a new coach come in pretty late in the game. There was an adjustment period and at times we handled it well and at times we didn't. We have a great group of younger guys coming up. Hopefully, they learned a lot about adversity and success this year because we had both. Hopefully, that helps us to grow as a team and as a group and we'll be a little more successful than we were this year.

It is imperative that we make consumers more aware of the long-term effects of their financial decisions, particularly in managing their credit card debt, so that they can avoid financial pitfalls that may lead to bankruptcy.

These seniors they're a great group of kids. If you would've told me that this group would be here at the beginning of the year, I don't know if I would've believed it.

Tim Fitzpatrick

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Denna sidan visar ordspråk som liknar "We believe education will turn around our bankruptcy rates in our state. At present, the group most declaring bankruptcy is the 26-to-35-year-old demographic. But, the 18-to-25-year-old group is fast overtaking that group, and that alarms us. We hope that this course, which will be taken by (high school) juniors or seniors, will raise their understanding so they can avoid pitfalls that will send them or their spouse into a serious financial situation.".