Why is that the people with the least understanding of complex legal and financial matters feel they must shout their uninformed opinions to the world? Do they think outrage about things that are none of their business will produce wise, intelligent action? Why do they buy their opinions wholesale from web sites that reinforce their prejudices and then try to pass them off as their own? And why do I try to correct/explain/educate? "tis a puzzlement. The memes rule.