http://www.washingtonpost.com/wp-dy....html?hpid=topnews&sid=ST2008112300238&s_pos= OTS should have been named OTM "Other People's Money".... And the rating agencies who eagerly put fraudulent labels on the products which arose out of the OTS domain..... Are the core causes.... Next in line are the salesmen who knew better....namely GS, LEH, MS, the list goes on...... The sad part of the equation is that these people are allowed to remain free and take even more from society..... ...................................................................................... Ok....so where does one go from here, while allowing capitalism, and not socialism to call the future ? 10% consumption tax Most think that revenues will not be enough from this system....They need to see more definitive revenue streams.... There is where real logic vs false logic meet their fate. Real logic would be to take smaller individual amounts from a growing source....which in turn would provide larger amounts at the end of the day...Real logic leaves the fate of individuals to the individual.... False logic would be to take larger amounts from a dwindling source....which would provide smaller amounts at the end of the day.....False logic leaves the fate of individuals to the government... Individuals provide work and innovation.... Government is just an allocator..... ............................................................................. So where is justice today in the American system ? ie supposedly investment suitability by retirees and their pension plans...... So where does "suitability" stand today ? Or do the investment firms get a pass on this because the ire of the day is difficult ? ........................................................................................ Real logic should leave survival to the individual and their ability/inability to innovate..... Why ? What is the "real choice" ?