BILL IS ONE OF THE BEST FOR THE USA INTEGRITY HOPE; CHECK HIM OUT AND DOWNLOAD HIS PODCASTS UNTIL YOU UNDERSTAND AMERICA IS NOT SUPPOSE TO BE ONLY FOR THE TOP 5% OF AMERICA THE GREED IS PATHETIC { watch-out for the hucksters in predatory lending and also for the loans and credit card freaks who are against christian ethics}...{ it is called USE-ARY LOANS} CAVEAT EMPTOR... SHREDDER100@YAHOO.COM