This is the best thing I've read on the financial meltdown, (Thanks Cato) and if you are brave enough to read it, I'd ask you to consider a similar line of thought on healthcare. Start by going back to WWII and the freeze on wages when companies figured out they could add insurance, write it off, and still dodge the freeze, which eventually led to Medicare, which eventually led to rising rates, which eventually led to...
Hat Tip: Instapundit
Cato: Perfect Storm of Ignorance
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Behave.