"A person who suffers a severe personal injury will often need money to care for herself and her family during the pendency of litigation," the panel said. "Lawsuits take time and come with few guarantees. Grocery stores and home mortgage lenders do not wait for payment merely because a person is unable to work due to an automobile accident or other injury. Thus, it cannot be denied that people like Ms. Fausone may need a credit source during litigation."

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