HS and I are good; thank you for your interest 🙂

Related to your post here and other threads, what do you think it will take to change the way *many* Americans are? If the housing market tanks (as we expect), and a recession results, (as we expect), I believe those that are most extended (least responsible) will get the worst of it. Do you think that is enough to bring about change? Or will it need to be something of even more significance?