Seems like because of lack of living on credit in Bulgaria, the impact of the 'Credit Crunch' is non existent. I have seen major advertising to save with banks personally so this is no surprise to me. Bulgarians are very much influenced by what they hear and see on TV. They believe most of what they see and are told in this media - This is a big problem in future time with manipulation in advertising. You wil have to excuse the spelling of the report, it is has bee clipped direct as it is.