As of January 2011, nonmortgage consumer debt had increased for the fourth straight month. At the same time, credit card debt fell to a six-year low point. Excluding mortgages, how can it be that consumer debt is rising while credit card debt is falling?

You think all professors are uncoordinated, but then you see your social psychology professor make a diving catch down the left-field line at an intramural softball game against the arts department team. you also notice that your professor hits lead-off for the team and is able to score from second base on a ground-out. you maintain your original stereotype of professors as uncoordinated by deciding that this one individual is an exception to the rule because he is a “young professor.” this is an example of