My colleague, Peter, wrote an essay about last week's credit card question - to read the full essay, look for the comment by Peter Walton below the lesson.
For today, I want to focus on the introduction that Peter wrote:
It is all too easy to obtain a credit card and then to run up debts which are difficult to repay. In my opinion, the disadvantages of credit cards far outweigh the advantages.
It might seem easy, but for me this is the perfect introduction: it's short, clear, and it answers the question directly.