Unlike past financial crises which have been addressed to some degree, this one may continue to worsen. The American population is increasingly uninformed, selfish, unpatriotic and intensely partisan. National savings rates, educational ranking as evidenced by test scores and capital formation for the production of tangible goods continue to dramatically decline in the face increasingly intense global competition and political instability. Wall Street has prospered and is bailed out for unethical, predatory practices while the middle class continues to be squeezed. Everyone needs to be more aware of what is at stake, and we should urge all of our friends to attend I.O.U.S.A.