unt swelie. she maneuvers the bugs -- the bus over the bumps in sÃo paulo.times she has to remind the charges to stay in their seats. she is self-employed. her second minibus, with which she is in constant radio contact, could be repossessed at any time. she cannot make the payments anymore. she doesn't show it, but she is in real trouble. >> i took out a financial deal for the minibus. it cost 82,000 and i use my private car as a down payment. i'm supposed to pay an installment of 2300 per month. in all, and makes 138,000. a sickly, i'm paying for almost two cars. -- basically, i'm paying for almost two cars. >> on average, brazilian families oh 41% of their income to the banks. an economist whom we met in sÃo paulo's banking district says that is dangerous. he says the lower middle class in particular no longer has any purchasing power. in addition, very few still have a connection to money. everything is bought with credit cards. that is why so many have gotten into debts and the banks conditions are especially harsh. >> there is this a old saying, don't