An animated cartoon projected on the wall of Ramey Uriarte's seventh-grade math class showed a young girl chatting on the phone with a friend about the temptations and responsibilities of getting a credit card.
Behind the girl, a bright yellow cartoon credit card encouraged her to go plastic. "Ever been to France?" the card asked. "I hear it's fun."
"I'm broke," the girl said. "How am I going to pay it back?"