We're not seeing increases in delinquencies yet. There's likely salary continuation among laid off workers in the oil sector. There are many two-earner families. That sustains people in a downturn. Bill Downe More Quotes by Bill Downe More Quotes From Bill Downe The story of the oil patch is much more a story of restructuring than it is one of failure and default. That means the strongest companies are going to buy weaker companies. Bill Downe mergers-acquisitions