 "You have the first case of identity theft I've ever seen where the thieves actually returned the identity because the credit was so bad." |  "I don't know how the heck these credit agencies get this information, but I returned that rake and snow blower to my neighbor 6 months ago!" |  "Coming out of bankruptcy, I can say I learned my lesson - don't spend what your relatives don't have." |  "I've always used historical data analysis to rebalance my assets, but lately it's been pretty much hysterical data analysis that I've been working with." |