CFO, I’ve heard a solution is to make health insurance a true insurance, rather than a plan that pays for all expenses. It should cover only catastrophic expenses, not simple office visits and lab tests. The US spends more per person on health care than any other country in the world, but our mortality rate is higher.

The US aims to bring top quality health care to every person, but that is not feasible. Not everyone can have a Cadillac. Some people must drive an Escort. Similarly, not everyone can expect access to the best cardiac or cancer surgeons. If we redesign the system (this has been written about at length elsewhere), employers and employees will win.

I know this isn’t housing related, but the increasing poverty of the middle class which has been temporarily alleviated by the housing bubble, will become once again apparent, and it breaks my heart.