Millions of late-night television viewers were given a rare glimpse into the true state of the economy Monday, when a creepy ad encouraging Americans to mortgage their homes to get out of debt aired numerous times on stations across the U.S. 'Homeowners,' the commercial stated, 'do you have credit-card bills, loan payments or other large monthly bills that you can't afford? Capital Credit, the nation's leading home-mortgage specialists since 1965, can help. Call our toll-free number today.' Said Jacksonville, FL, insomniac Bob Voss, who saw the ad at 1 a.m., 1:25 a.m., 1:56 a.m. and 3:12 a.m.: 'I guess maybe there's something they're not telling us about the economy.' 