Disappointed . . .

Not only could McCain not keep his promise for a 24 hours, and Obama quickly followed. Furthermore, Nobody in Washington was willing to admit that a perfect bill would take over a year to write, likely 5 years, and we only have a few weeks of a window of opertunity to stop this plunge in the economy, and every day we take it hurts the economy.

NO bill could be perfect. This is a fact that cannot be emphesized enough.

Truely, I would have added provisions mandating that "toxic assets" be bought paying no more than 60% of the market value, thus making banks very reluctant to use the program unless they truely have to cut their losses, and practically guarenteeing some return on investments by taxpayers. This "40% deductable" would eliminate profit for banks in using the program, and make it more an additional insurance for any US bank, than an actual program.

An additional program, I would provide is a national credit counseling service, provided to all americans for free of charge.

Additionally laws taxing loaner's income based on APR including all fees would be good incentives to intercept preditory lending habits by credit card companies.

Obviously, however, Congress is too busy thinking about what a few people think of them, and fighting ammongst themselves to satisfy both the lobbiests and the people, when neither can be done if this bill was to be made. Frankly Obama and McCain's initial view of the bill had to make understatement of the year.

The fact is, the lending market crises is a stain on America's economy, and it will take an equally harsh bleach to get it out. Washington, as usual is too afraid to admit just how bad the problem is, or the fact that it's not going to be easy to fix a problem, instead they stick to wanting impossible cures, and to deny the situation ever existed.

This doesn't change my opinion, just verifies my pesimism, but the fact that the presidential candiates could even admit they agree on one thing, has to be at least one uplooking moment on this, and maybe shines a little spot of light in an otherwise dark time for our nation.