Oh no, I've never blamed it solely on Gramm, I've said he spearheaded legislation. No one person is smart enough to pull it all off by themself.

To put a nice bow on it, and not a bow-tie for Stam's tux, we are talking about unethical, silver spoon people, gutting regulations that protect John Q. Taxpayer. It does not know party lines either, so all the "poor" republicans and democrats of this country will have to foot the bill via government bail-outs.

PS I hope your friends did okay up in Paradise/Magalia - it will be hold your breath time all summer up this way.