The rise in personal debt in recent years is due largely to aggressive and unwarranted hustling by credit-card companies. Between 1990 and 1996, credit card debt doubled. Today it is still rising. Credit cards with interest rates reaching nearly 20 percent are a remarkably lucrative part of the loan business. Debtors pay an average of $1,000 a year in interest and fees alone, money that could instead have been used for a college or retirement fund. Using subtle tactics to tempt unwary consumers to borrow, credit-card companies have led consumers to hold more cards and to fork over a bigger and bigger fraction of their income to the companies.Which statement best reflects the organization used in this passage?