This page is dedicated to my ride or die readers.
The rest of you may find yourself like the late James Stockdale, responding to a seemingly existential crisis with: "Who am I? Why am I here?"
If you have the great fortune to be too young to get the James Stockdale reference, the "Vice-Presidential candidacy" section on the "James Stockdale" page on Wikipedia is your friend.
Unlike Wikipedia, I do not have ready made answers for all of life's mysteries, but I can at least provide a plausible explanation as to how you got to this page.
When I was writing the Read First section of this site I started explaining that the url for this website is therationalconsumer.com but as a short-cut you can type trc.credit or glossary.credit and your browser will redirect you to this site. 
I politely cautioned readers to use trc.credit or glossary.credit as shortcuts, not trc.com or trc.net, and most certainly not trc.horse or glossary.horse.
But then I thought, well why not trc.horse?
Why not glossary.horse?
... and here you are.
Given that you are reading this, apparently you are in fact every bit as silly as I had feared that you might prove to be.
However, be warned.
Just because you were silly enough to find your way to this page does NOT mean I am quite silly enough to add this page to the navigation menu.