A few tidbits from this article. Man we are in deep shit 
But it's impossible to ignore the fact that individual consumers made a lot of really bad choices in the past decade. They bought homes with $2,000 mortgages when they only earned $3,000 a month. They borrowed money at 30 percent interest to buy granite countertops. Arenât they to blame for their own demise? To be an honest journalist, I had to ask: Why are American consumers so gullible, so seemingly out of control? Is there something wrong with us?
Yet in a recent government study, less than one in seven American adults ranked âproficientâ at math.
*The U.S. ranks 25th among 30 industrialized nations in math scores, down near Serbia and Uruguay. U.S. students thought they had the highest grades of any nation in the study, however.
http://redtape.msnbc.com/2009/12/wh...alked-about-systemic-hidden-fee-fraud-al.html

But it's impossible to ignore the fact that individual consumers made a lot of really bad choices in the past decade. They bought homes with $2,000 mortgages when they only earned $3,000 a month. They borrowed money at 30 percent interest to buy granite countertops. Arenât they to blame for their own demise? To be an honest journalist, I had to ask: Why are American consumers so gullible, so seemingly out of control? Is there something wrong with us?
Yet in a recent government study, less than one in seven American adults ranked âproficientâ at math.
*The U.S. ranks 25th among 30 industrialized nations in math scores, down near Serbia and Uruguay. U.S. students thought they had the highest grades of any nation in the study, however.
http://redtape.msnbc.com/2009/12/wh...alked-about-systemic-hidden-fee-fraud-al.html