Thanks David (and Richard),

"... the crisis is not without a solution" is both a useful and appropriate statement. "We" can choose better paths forward. While I am also not an optimist, I am optimistic about our potential to solve this dilemma.

To that point, have you seen (or read) my CFA Research Foundation Monograph - "Lets All Learn How to Fish... To Sustain Long Term Economic Growth"?

Thanks, Michael Falk