Not a Phil Gramm booster, but I *will* take your advice to lighten up.
I guess I've gotten worked up responding to what seems like a rash of these posts that seem to be calling for "regulation", and I'm just getting very tired of the idea that I can't be allowed to decide for myself what is best for myself, and that I need to pay the govt to figure it out for others, too.
I saw youbet's post after I logged in - that would be a good start - describe how this would work - and no cherry picking - if I can't figure out what mortgage is best for me, how can I figure out which car, or which TV, which investment, etc, etc, etc. So give me a big picture plan. I have some ideas, but I'll sit back for a while, relax, and listen.
Thanks, ERD50
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