I thought Obama campaigned against the top-down theory of governance and economics? Unfortunately that's how our universe works--and ultimately black holes rule. Since the beginning of our time, the social contract is pocked with black holes--politicians and corporate moguls suck the life out of us. It may be the way of darwinian cosmology and the matrix of pac-man society, but damn it, we shouldn't take it anymore! No social structure should have to be at the mercy of these thugs on Wall Street sitting on trillions waiting for the bottom or when there's a rally, immediately grab the profits. Manufacturers would rather rip apart a town by pulling up stakes and head for the haven s of cheap labor than pay an American worker a living wage. National banks, not unlike the exodus from the farm to the big cities, so they could make bigger but far from better deals: National City was never satisfied with just providing service to New York--God only knows how many times it merged and remerged shedding its name like a chamelion. The great bank of Chase Manhattan showed no shame in being sucked into the black hole of JP Morgan without regard for greater service to a more humble orbit. What we need, then to defend against a cruel, indiffernt universe is to finally recognize the financial scam of black holes and turn to the true wealth that is creativity, innovatiion and labor.