Phew! 146 responses later and we have submitted our evidence to the BIS review of responsible borrowing and lending. You can find our results by subscribing to the Information Service, where we publish all of our work in full. Perhaps of most interest to us though, in comparing savers and debtors views of credit was the extent of financial illiteracy across the board. We suspected that government and the finance sector use such a broad range of terms to describe high cost credit that consumers have little to no chance of keeping up with it, and we were right.