karen, let me begin with you. where do republicans, democrats and the white house agree? let s start from a point of agreement. let s see, maybe that the sky is blue. no, seriously, i think there is agreement that this is a problem we need to tackle. that we have got to find a way to rein in our debt. the problem becomes once you start talking about how to do that. and i have to say, you know, when you listen to ryan and boehner, it is intellectually dishonest when they say that washington had only has a spending problem, not a revenue problem. i mean, it is money in, money out. and if you ve got problems with your debt, you not only have to deal on the spending side. but you have to deal on the revenue side. it is interesting because if you talk about personal financial experts, the planners will say if you re in a money crunch for yourself, as an individual, you have two options. you can either cut spending or you can raise revenue, go look for a job that pays you more