View the following documentary about fringe financial institutions called Spent: Looking for Change. The film is available at

https://www.youtube.com/watch?v=pTd9Z2nCjM0

It concerns the plight of four families stuck in predatory lending traps. After viewing the film answer the following questions:

a. How many Americans are "underserved" or lack access to mainstream financial services? b. Of the families shown, what were the types of problems that caused financial hardship? c. What is overdraft protection (ODP)? How do banks manipulate ODP to increase fee revenue? d. What are the alternatives to mainstream financial services described in the film? e. Discuss some of the credit traps in which the four families became involved.