As the U.S. Congress has now passed a bill to tighten regulations in the financial industry, you have to give them a lot of credit. Let’s take stock of the situation – in passing the bill, the Democrats had close bonds with each other while the Republicans cried all the way to the bank. Some say that the bill will tend to mortgage the futures of lots of Americans and I urge you not to sell these people short. It may be speculation and I hate to coin a phrase but the legislation is right on the money and makes a lot of cents. Finally, we can tell the bankers to buck off!