Couldn't agree more.   There is of course one senator that has spent a good part of her lifetime as a bookish student of just such schemes that produce obscene amount of wealth for very few people.    I like her, I'm happy to let her speak for me.    My hope is that she doesn't want to be President and would rather take her battle army and concentrate on the financial industry.     DEBT is the financial industries bread and butter and the American public has stupidly fallen for the scams.      I want to see transparency in the board rooms of Merrill Lynch or any of the other boards who's pure great and stupidity lead to the last crash.  And yes Warton school graduates are scattered all over the industy and are focused on taking the wages of American workers to fuel their greed.    IRA are gift from heaven, (as opposed to pensions).   Now you just take the foolish and unprepared, along with the smart who still get fooled, and you have Trillions of dollars throwning off management fees.