Timber1956 I agree with the general sway of your post but have to say that given the rainy days were NOT dealt with properly back in 2008 and since, but rather papered over they are coming back to haunt us and its forums's like this and other arenas that give the financially and otherwise aware citizens an opportunity to express their frustration with the failure that is the governance/management/policing of the financial markets and general economy.
The debt based monetary system is inherently flawed and open to systematic abuse by those with a greater understanding of the dynamics of the system.
JFI
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