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Credit card debt counselor Mary Rammel with a pile of credit cards cut up by debtors upon entering a credit counseling program in Willmington, DE, the credit card capital of the world. There are over 1.3 billion credit cards in America and in 2003 they accounted for over 786 billion dollars in credit card debt.

Close-up detail of a crown of thorns starfish (Acanthaster planci); Maui, Hawaii, United States of America

Close-up of the orange colored plumes of a Christmas tree worm (Spirobranchus giganteus) attached to coral; Maui, Hawaii, United States of America