But it seems the more you abide by the rules and regs, you get screwed by the gov. and the establishement, I'm not saying that we commit criminal acts but with all the current media hype of this Madoff guy who ran the Ponzi scheme it is depressing to see this guy get off and make money for his family to boot! We cut back as much as possible with only one car and mass transit being our friend as much as possible, but that is scheduled to go up and this 13 buck a week paycheck giveback the All Mighty OBAMA is touting is a joke that's gonna eat up the rises in fees and inflation, oh well, let's all say a prayer and hope this mess works out