You can pretty well sum this whole mess up on one word, "GREED". Greed on the part of people, Wall Street, Banks, and you name it. It took everyone to come together to create this mess.

I do believe one thing though, the U.S. is a very resiliant country. Despite all of the negatives now, there are a lot of positives, and once panic and speculation has run it's course, common sense will again prevail. Unfortunately there is still a lot of pain to come before that happens.