Extra Credit, Weekend Edition

House introduces ‘Credit Cardholders’ Bill of Rights’

Social networking traffic growth model: "Examining the empirical evidence on social network traffic, I have formulated a new theory: Social network traffic grows exponentially for about two years, and then follows a random walk."

Looking Gift Cards in the Mouth: It turns out that gift-card revenue is a liability for retailers; they can only book it as revenue when the gift card is redeemed.

C.L.O.se to Disaster: "The average loan in the secondary market trades for just 88 cents on the dollar, which is down 6 cents since the start of this year, and a record low."

Dear John Thain: A new finance blog.

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