A recent Commercial Appeal editorial lamenting the fact that poor people often have to turn to loan sharks to make ends meet offered the following anecdote. [Quick cash lenders] once offered the only safety net for the mother of Memphis Mayor Willie Herenton, who years ago turned to [one] for the $300 she needed to pay her son s tuition at LeMoyne-Owen College. If that resource had not been there for her, imagine the consequences for Memphis. Indeed, had it not been for these unscrupulous money-lenders, our shining city on the bluff would have surely fallen into the Mississippi River. Let us raise our glasses in thanks.