Hi Stephen: I'm just posing some of the problems. Fed chairmen don't spend the money, government does. Some administrations do so wisely, others foolishly. I'm not sure it helps to lay the blame on the Fed chairman, whomever he is. I do think that Mr. Greenspan, for the most part, has done a commendable job. I have kids and grandkids. I worry about their future too, but I don't place much of the blame on Mr. Greenspan.