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While I'm thinking of it, I'd also like to nominate ACORN, Mr. Greenspan, Presidents Clinton and G.W. Bush. Let's also not forget dishonorable mention of the CEOs of Freddie Mac, Fanny Mae, the Treasury Department, AIG, Lehman Broth., Merrill-Lynch, Morgan Stanley — all of whom refused to police themselves and their employees and forced products down the throats of their brokers. Go along or be left behind and disenfranchised — that's their motto.

There's enough blame to go around BELIEVE ME. So, all of us who have been good credit risks, paid our bills, taxes and may need credit now that the world they created is falling apart, will do without for an entirely different reason.

The people responsible for this mess (whom we elected because we couldn't afford to quit our jobs and do it ourselves) have absolutely no idea what to do about it. For the first time in my life, I'm looking around and finding out that I must do it myself — NO BODY, I mean NO BODY is capable of doing it for me.