Great article on the NY Times today on the root cause of the current financial mess. Excessive and unregulated speculation by some Wall Street Insiders is the root cause. $45 TRILLION dollars! That's 2.5x the combined value of every company traded in the New York Stock Exchange.
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Essential reading for all.
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http://www.nytimes.com/2008/03/23/business/23how.html?em&ex=1206504000&en=545585f39cd180f0&ei=5087%0A