Computer programmer David Jones earns ￡ 35,000 a year designing new computer games，yet he cannot find a bank ready to let him have a credit card(信用卡). Instead，he has been told to wait another two years，until he is 18. The 16yearold works for a small firm in Liverpool, where the problem of most young people of his age is finding a job. David’s firm releases (推出) two new games for the fast growing computer market each month.
But David’s biggest headache is what to do with his money. Even though he earns a lot, he cannot drive a car, take out a mortgage (抵押贷款), or get credit cars. David got his job with the Liverpool-based
