I think Obama has finally gained some insite into this economic mess. Finally--he has come up with a very good idea, at least in my opinion. Today he stated he is promising lower mortgage rates. Over the past years, most Americans have bought homes on 30 year fixed mortgages or re-financed their existing mortgages in the 5% range. If he can get a 30 year fixed mortgage rate (to people with good credit & are able to re-pay the loans) down in the 3 or 4% range--this economy would come booming back, & there would be no need to do the 813 billion stimulus. Americans would be running to the banks to re-finance their existing mortgages & new exisitng housing would be gobbled up, then leading to increased property values all over America, etc. etc. Along wth re-financing there would be existing homeowners borrowing on their homes to buy new cars, remodeling etc. etc. FINALLY A GREAT IDEA THAT DOESNT COST THE TAXPAYER ANYTHING! Along with that he should lower corporate tax rates which are presently at 35%! This is the highest rate for business taxes in the entire world. If he will do that business will borrow, they will grow, & they will hire Americans. They will also stay in this country versus taking their operations overseas. Hopefully they'll get it done!