Signposts on the way down:

For perhaps as many as 27 million American adults, keeping warm this winter will mean borrowing money and 20 million will use credit cards to be able to afford their heating bills, according to a CreditCards.com poll.

Nearly 12 percent of Americans say they will need to borrow money to pay winter heating bills; 9 percent will need to use credit cards to be able to afford their heating bills.

No context given as to how this stacks up against previous years, but all this comes not only at a time when fuel oil prices remain sky-high, but as PPL raises its rates - at a time when it’s raking in impressive profits before the hike.