In today's world of immediate gratification and response it is easy for all of us to want the economy to be fixed and fixed yesterday. After all, a big reason we are in this financial discord is because of the quick and easy money made available by the lending institutions and the people who ran them. The reality of it all, I think is finally settling in with everyone. There are no quick solutions, and there are no easy available answers. This problem is not going away tomorrow or the next day. It is going to take some time and it certainly is not going to be pain free. So the next time an offer is made that seems to good to be true, like fast easy available credit or money, I would suggest that you step back and think it through. The consequences of your actions may not be worth the risk that you are taking. And that is my final answer. What do you think?