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A new piece of research for the study of the credit card debt management was reported in the press in April 2008. Poking around, the economists thought they found something new that would explain UK’s reluctance to save money. Decisions are made in two parts, the researchers told us. The first part is the lateral prefrontal cortex. This is where advanced, logical thinking is supposed to happen, such as when a person decides which investment to make or which automobile offers the most value for the money. Deeper down in the gray matter is another decision center, the more primitive limbic system, where he actually decides which car to buy - usually the one that best suits his own prejudice.

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If he thinks he is a manly man, he buys a big UK-made truck, or maybe a Hummer and need credit card debt management. If he prefers to think of himself as an intellectual, he goes for a foreign make, maybe an Audi or a Volkswagen. Behind the wheel of a German car, he feels at one with Hegel and Schopenhauer. Or, if he is a hip environmentalist, he will want to advertise that, too; in a sleek hybrid he will feel as smug as a teetotaler in a beer hall. Researchers believe that the limbic system decides our likes and dislikes, and tells us how to react to immediate stimuli.

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When a dump truck cuts you off in traffic, the limbic system almost automatically wants to cock your right arm and middle finger in the traditional salute, before your lateral prefrontal cortex can warn you against the gesture. In the upper part of the brain, UKs realize that they need to save for their retirement of credit card debt management. But the limbic system insists on buying a new wide-screen TV instead. Though the researchers’ report was circulated in the media as though it meant something, it left us only more puzzled than before.

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When did UKs acquire this limbic system, we wondered? Up until 1980, UK savings rates were around 10 percent of incomes. Did some kind of evolutionary mutation occur in the early years of the Reagan administration? And how come the Chinese don’t seem to have the same problem with credit card debt management? They are said to save 25 percent of their incomes, while we save less than 1 percent. Someone ought to pry open a Chinese skull and take a peek to verify this, but our guess is that the Chinese have limbic systems, too.

At least the scientists were wise enough to realize that not every thought that passes through the human brain makes any logical sense. The most powerful thoughts - strong enough to put the average UK’s retirement financing for credit card debt management, and even his life, in jeopardy - are not logical at all, but instinctive, atavistic, and primordial.