Experian have drawn a debt map - showing not just where, but who, the biggest debtors are... those people most likely to go bust in the event of a giant leap in interest rates. And the map's a different shape to the one you might imagine. Apparently, if you live on the M4 corridor, in the commuter-land of Wiltshire, Berkshire or Buckinghamshire, and you're a professional family with a good standard of living, you're a prime candidate for an IVA (Individual Voluntary Arrangement... a kind of quick hop into bankruptcy without all the shame and publicity). IVAs have jumped from 5,000 in 2002 to 40,000 by the end of this year. More here.