John, I've been very busy at a show in North Dakota this week and have not been keeping up very well.

As for your statement: 

"The main reasons we are in this situation in my opinion is a combination of wrong policies of government controlled low interest rates for too long (continual economy stimulation) and getting rid of the laws that kept investment banking and deposit banking separate." 

 I could not agree with you more! There is a saying that "those that are ignorant of history are destined to repeat it" and I think that applies to this banking system issue especially.

Jim at Dawn