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The number of personal bankruptcy filings in the United States increased more than fivefold between 1980 and 2004. Management find that much of their time is spent "fire fighting" – dealing with day-to-day liquidity problems – and focusing on short-term cash flow rather than long-term shareholder wealth. Stephen Ware once wrote that financial distress could mean having wants that exceed your ability to pay. Financial distress happens to everyone, and the important thing is to keep calm and know what your options are. If you have a financial emergency that you need to get taken care of quickly, there are several things you can do – you can try credit cards, but their interest rates get ridiculous and you never know when they will slash your limits. There are also instant payday loans – and just like credit cards, they aren't intrinsically evil and have to be used with caution and restraint. Payday lenders can act faster than a bank can, need usually less paperwork and no collateral or credit check.