I've actually never posted an ad I've done here before. Usually I post ads done by others that I find interesting in one way or another and then write about it. But today I wanted to share an ad I did not so recently. In fact, this was during the last financial crisis, though nowhere near as dire as this one, at the time it looked pretty bad. We were doing a campaign for Citibank, selling credit cards to students — I know, you think that's like setting up a liquor store outside an AA meeting. Well, the idea of the campaign was educational. Students who signed on got a monthly credit education newsletter that taught budgeting, the ABC's of how interest rates work and how you can get in trouble. I wish someone had taught me that when I got my first card in grad school, since like so many others, I found myself in serious trouble in a very short time. After all, isn't a credit card a license to mint money? No. And neither is the U.S. Treasury Department a license for Wall Street to mint money. People keep saying they don't understand how this happened. That's really funny, since it was obvious from the moment the banks and investment houses were deregulated that we were headed for this moment.