Hey Im not disagreeing with you guys on the education bit but it seems to me you are on cloud nine. With the internet, the tube, video games, movies ect ect ect there is no lack of culture or exposure in this country. The most intellegent people will fuck up their credit cards, be optimisdtic and go for a huge mortgage because they want a home, its the American dream and not their fault that capitolistic greed and the shit law "supply and demand" ran housing prices up 400% when it came their turn for a chance at their own independent life. To much arm-chairing there, one minute someone like me will get critized for being unwilling to go out on a line and take a chance, being conservative and lifing in the past, not pushing further, more, more, more........ then as soon as someone optimistic plays the modern game you want to condemn them because the banks, realitors, developers and community planing boards (fucking politicians) were all in on the big scam, LEGALLY in the first place. Selling the big bill of goods, optimistic America, great future in tech jobs, bla bla bla.....