Thanks Rabbi. Couple of questions; I don't understand how the first decline in the deficit after three years in increases makes a rapid decline. Its an N=1, sorta risky to discern a trend from a single point. I will admit, I did not study economics, so my fiscal policy is pretty simple. Pay the savings first, then the bills, invest the rest and leave a little for walking around/shooting money, but above all, spend less than you earn.