ABC news did a recent presentation on New Jersey (no jokes here please) regarding those unemployed and who have exceeded their unemployment assistance checks. One gentleman, was gainfully employed up until 2008, and not since. Their official rate is reported at 9.8%, but take liberty with that conservative number 12,700 jobs lost since Sept 2008 almost 7 million jobs lost since Dec 2007... real statistics being repeated all across the US in state after state, and no one still is being held accountable for having brought down those financial institutions that were the banking sectors and finance sectors of the mortgage marketplace, corporate lending and pension fund administrators. having jeopardized the corporate cash flows as well as the security and good faith of the financial markets caused most if not all consumers, companies and municipalities to essentially stop participating in buying and selling and as such, in the marketplace. perhaps that seems too overly simplistic, however, it was as fragile as that, along with other factors that brought us to where we are at.... so, who feel for the average Joe? and their families?