I retired before the financial meltdown, so my economic situation is O.K. As far as the country goes, I think the financial meltdown was caused because of repeal of the Glass-Stegal Act in 1999. This opened the door for deregulation of the financial markets, which opened the door for greed and corruption, which opened the door for tricking people into thinking they could afford to buy homes they couldn't afford, which led to creating exoctic financial instruments that led to leveraging exoctic investments, which led to the financial meltdown, which led to bailing out the banks, which led to curtailing short term loans for small business, which led to unemployment, which led to college graduates not being able to finding jobs, which led to more supply of the work force than demand, which finally leads me to my point, which is we need to re-train people to develop the skills for the jobs that are in demand in order to get them back to work. So to answer your question, I do blame the government for repealing the Glass-Stegal Act, which is the root cause of our economic condition. I've never had a run-on sentence this long...and I'm out of breath.