Yep, this is great news. Extend more credit, at record levels. Taking measures to counteract and cushion in a manner that will only make the situation worse (see the link for a window into why). Do we ever learn?
"To praise you is the desire of man, a little piece of your creation. You stir man to take pleasure in praising you, because you have made us for yourself, and our heart is restless until it rests in you . . . Ah, my lord, you are the one true and good lord of your land, which is my heart." - St. Augustine of Hippo
"Wisdom enters through love, silence, and mortification. It is great wisdom to know how to be silent and to look at neither the remarks, nor the deeds, nor the lives of others." - St. John of the Cross