I get heartfelt thanks from all kinds of people. Today I heard from a waitress in Georgia who has lost her job and is trying to figure out how her local bank can change the terms on her credit card and I heard from a physicist at a major research university who wants to explain a better theory of financial stress tests.
I am not going to condemn anybody. That's where religion gets a bad name when people get holier than thou. We are all human. If my children make a mistake I want them to know it is all right and they should try harder next time.
