US Banks are a lot like mining stocks. You know that the business is in mining, but you really have no idea what the mine contains. Third tier assets and so called legal accounting rules are supporting the larger banks and even the likes of Goldman Sachs. So the old saying goes.... What they do not know about will not hurt them. Well, one day living in vagueries just may come to an end, which will require sharp and abrupt changes which will only have the printing press as a solution. However, this may come to a halt as well in that finally the use of the printing press is no longer a possibility. So next comes the question as to what the approach will be as to governability. Well as long as votes are going to be the deciding factor, the votes are not going to be in the form of capitalism requests, they are going to be in the form of I want the government to pay me in some fashion, ie socialism. ................................................................................ What has to happen is a change in the underlying tax and reform policies which by default will secure capitalism, and the best parts of socialism. 1) Taxation: consumption tax only Why....there are literally no savings by the majority....the last thing they need is the IRS imposition.... Businesses from all over the world will beg to domicile in the US. 2) Local Internet Governments Tax money will be spent by local internet vote.....city by city, reporting to the states. The key point is managability. The larger the entity, the harder to manage. 3) Elimination of the 2 party voting by advertising system Projects take time. 2 to 6 year political stints are rediculous. Projects can not be completed when in continual stop start mode. There is no further need for the incredibly rediculous two party system. Projects are voted on, and the best people for the job are hired. 4) Energy Independence The US must use what is within its borders. Energy should not depend on energy depot delivery and monopoly. Energy should come from the air, sun, or water....and be sourced from home. 5) Wealth Distribution Common stock mandate Township ownership 6) Finance Local Banks....local loans by asset discount.... Electronic stock exchange....nonobligatory non interest capital 7) Education The Internet 8) Health Socialized.....innovation is rewarded......but is not a business 9) Eliminate legal largesse Every month, the phone book gets thicker and thicker with lawyers that need to make a living. The names in the phone book need to be all but eliminated in that this segment will no longer be economically viable.