Ok, I’m going to review this and get back to you because I have some questions. I do remember hearing last week that the amount of money that the banks now have on their books (don’t know the terminology) prove that they are just holding on to it so that is where my attention is focused.
IMO if they created their own problems and looked the other way and the tax payer is exected to bail them out and the majority of the public agrees with it then I may need to evaluate why it pays to be a responsible adult when everyone else is allowed to be so reckless and ruin our economy.
Like they say, “when in Rome do as the Romans do”. No offense to my italian buddies. 
hehe