Regulatory CREDITS? Really?
You know the economy is in trouble if the government has arranged for the sale of imaginary products for real money, enabling them to make an enormous profit without delivering anything tangible.
(For some reason, I'm reminded of the old joke in which three men of a particular ethnic group were shipwrecked on an island, and passed the time trading their hats back and forth with one another. When they were rescued a year later - each was a millionaire.)