Josh, with out question you have great insight and a wonderful summary, however sad and unjust it really is. Our great country is in such terrible shape with all of the corruption, handling of the worlds most important currency, destruction and illegal manipulation of the financial markets; all for the all-mighty buck. As much as I hate to say this, our country is in self destruction mode, by not enforcing the rules on the books now and letting those in charge just rape America with no consequences.