By CLAUDIA BUCK, Scripps Howard News Service

SAN BRUNO, Calif. - Clearly, this isn't the typical American workplace.

Just inside the sleek glass doors of YouTube's corporate headquarters is a rock climbing wall. Straight ahead, five guys in T-shirts and jeans cluster around a foosball table, engrossed in a lunch-hour game. At the front desk, the receptionist's tiny, quivering Chihuahua watches over a candy jar.

TAKING AIM AT DEBTMilitary personnel can be particularly vulnerable to predatory lending, a form of "financial quicksand" with excessive fees, constant rollovers and annual interest rates that can hit 300 percent to 400 percent, according to a 2006 study by the Center for Responsible Lending. Among the findings: