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By the time most people file for bankruptcy, their credit is already trashed, they have a high debt-to-income ratio - a key indicator lenders look at - and they've likely defaulted on more than a few accounts.

By the time my children are born, I know it's possible that they can grow up in a world where they don't understand that there were ever any dividers between people and why we have the issues we do today. That's my goal in this life.

By the time my first solo record came out, I was making a handsome living as a record producer. I had worked with the Band, Janis Joplin and all of these other artists in the Albert Grossman organization. So as my so-called solo career evolved, I never felt pressure that I had to come back and top when I might've done before.

By the time Obama came into office, Washington had already agreed over a period of a few weeks to a $700 billion government infusion into the world banking system. Nothing of the sort had ever been done before, and it was done spit spot with very little national debate.

By the time of my ninth birthday, I had become a bit of a socialist, as I am said by conservative colleagues to be to this day. I went on within the next few years to volunteer as an envelope stuffer for the American Labor Party, and my political thinking has not shifted measurably since that time.

By the time of the Civil War, there were many kinds of apples growing across the United States, but most of them didn't taste very good, and as a rule, people didn't eat them. Cider was cheaper to make than beer, and many settlers believed fermented drinks were safer than water. Everyone drank hard cider.