In my many years of working in and around government I have been continually frustrated with the maze of bureaucracy and its constant growth.  When I look at how many State and Federal agencies are listed in the various directories I often wonder how and why they were conceived and what the people who work there actually do!!

One exception to that disjointed chaos is the Federal Trade Commission.

However, it is just as much a measure of your continuing relationship with the major financial institutions as well as your non financial creditors.