Don't get me wrong. Things are not perfect.

However, what makes our country so great, is that when things are not perfect, citizens voice there concerns and the powers that be listen. The results are not always to the satisfaction of everyone. However, complaints are heard and efforts are made.

None more evident in response to our national crisis in housing and the sub-prime mortgage market., are the efforts by the Federal Reserve System to lower interest rates 2%+ points in the last several months, the House of Representatives passed the American Housing Rescue Act and just a few days ago Fannie Mae's Keys to Recovery initiative to stimulate the mortgage market and put the Sub-Prime debacle behind us.

Love it or hate it. Agree or disagree. That is why this is the best place in the world to live.

This is a new year and there is a great many reason to be optimistic and proud to be in the United States