Bush or Obama? That seems to be the question. As usual, the real culprit is not being confronted.

http://www.bloomberg.com/apps/news?pid=20601109&sid=a_A5nqmw9Dq8

Sadly, the it is us. Decades of excess consumption, financed by fantasy equity has driven us off the cliff.

New car every three years, clothes, clubs, vacations, medications and a charge card. Irresponsibility will turn out to be much more expensive than anyone expected.

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