Hi Odie, unfortunately it all starts at the top (at least in my view). With a Gov't that is sympathetic to big business at the cost of so many, it does not bode well for the average American. Great article and I agree with it wholeheartedly. Until we take care of our own first instead of the few who benefit from this system, tougher times are dead ahead. I expect the financial system will be in complete disarray and on the verge of collapse by 2008...