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To: robert b furman who wrote (15067)	3/8/2011 2:39:03 PM
From: clochard	4 Recommendations Respond to of 223037

Americans need to learn how the real world works. Let's start with mortgages. In no other country can one get a 30 year mortgage and refinance to a lower rate without a penalty. And the what about standards of government service and taxes. In every country with a high standard there are higher taxes than in the U.S. (except in Switzerland which is a tax haven). America will never be more than a third world country going forward until they look reality in the eye and pay the price.