Politics, race, religion--this thread has nearly everything needed to make sure it gets locked.
Hey, I heard that Reverend Wright is advocating that his congregation pay off their mortgages early, buy variable annuities with half of their savings, and take a 6% withdrawal rate in retirement when valuations get right (he has a formula for this based on a 10 year P/E average).
There--that oughta do it . . .
"Freedom begins when you tell Mrs. Grundy to go fly a kite." - R. Heinlein