I'm looking for several numbers to bolster some agruments I'm making for a paper.

How much money per employee have US businesses spent on technology
training? Alternately, how much per employee do they spend annually?
I'm looking for business in general, not just one particular
sector.

How much does providing and administering benefits cost US companies
per year?  I'm looking for a total (probably in the billions) and I'm
looking for a benefits-specific number, not including payroll if
possible.  I have an unreliable source that indicates its $21 billion,
but I'd like a reliable source

What percent of American families have access to bank-type credit
cards, such as Visa, Mastercard, Discover, and American Express?  I
realize that anyone could have access if they are willing to put up a
large security deposit or have a bank account, but this is beyond many
families.  I think there may be a report put out by the American
Financial Services Association in 1998, but I've been unable to find
it.

About how many households in America hold revolving credit balances every month?
My unreliable number is 55-60 million, possible from a report by the
Consumer Federation of America, but I can't find the report.

The more recent the report is the better.