It has been long overdue, so I will post a response to all the folks I have spoken to, in person, as of late. I last posted that the FED needed to cut rates more aggressively late last year and that opportunities were on the horizon. At that time, very few knew of the exposure of credit swaps and how deeply they would affect our economy. Those that did know, were probably making a fortune off of them. There is plenty of blame to go around and nobody wants to step up and admit their part. How about those who took advantage of the bottomless credit tap? I think people should stop pointing the finger and point the thumb. As educated as the citizens of this country are, the common Joe didn't realize there is no free lunch? Think about it.