This is the first time in my over 50 years where I have seen so much distrust toward the federal government. Many have opinions of the Federal Government as did the generation of the Great Depression--opinons were of the banks. We see that in polls where 42% of Americans feel they can pick a name out of a phone book to elect a congressman/women & do better. Our current congress only has a 22% approval rating--83% believe that our congress does not even understand their own health care bill. They have their reasons: Social Security is bankrupt, Medicare is bankrupt, Medicade is bankrupt, the U.S. postal service is in red ink & in fact the Senate cafeteria is in trouble. All this while the taxpayers of this country have bailed-out everything from A to Z. But the # 1 reason is our government's incompetent mismanagement of Fannie & Freddie. This-where our federal government decided to co-sign our names to 50% of the mortgages in this country--while at the same time lowering lending requirements. This of course-- is ground zero for this current economic collapse. All roads or should I say all bail-outs lead right back to Fannie/Freddie. Here is the link for you "non-believers" Fannie Mae Eases Credit To Aid Mortgage Lending - The New York Times On top of that we had a 787 BILLION so-called economic stimulus bill that was signed into law that none of our elected representatives even read before signing. We found out later that millions in bonuses for AIG & Fannie/Freddie executives were included in this bill--along with tons of pork & wasteful spending that was not designed to create jobs. The very next week our government signed off on another 450 BILLION dollars that had over 8000 earmarks & goodies for elected representatives in it. Our federal government has decided to issue themselves a no limit credit card--with future generation's names on it for re-payment. Right now your children & grandchildren are $120,000 in federal government debt--(each & every one of them) just on the INTEREST--ALONE for all this massive government spending.