Good points, dowry, but good luck finding culprits with a sense of personal responsibility as it was a gross lack of personal responsibility on the part of the folks you mentioned who created this mess. I'm looking for that first job right now too, but I long ago had a sensible mortgage that I was able to pay off so I'll still have a home, even if I have to sit here in the dark with the power shut off. No car payments either, though the upkeep on an older car can sometimes make one tremble - still not as bad as those payments, though. 'Twas greed and avarice that got us here, and not just on the part of the bigwigs and government.