Ron Paul has said that nothing substantial will change until the collapse of the dollar and massive civil unrest. People will not confront reality until that happens. I believe he's right.
Study the financial collapse of Argentina a decade ago. A corrupt elite mortgaged the country in much the same way as our elite. The bankers came in and asset stripped the country. Now I hear that Obama's administration is talking about nationalizing 401(K)'s and IRA's. This happened in Argentina. This is the equivalent of a country being foreclosed upon by creditors.
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