I find no evidence whatsoever of all this talk of how "smart", how "brilliant" Obama is. All I've ever seen or herd from him is middlebrow mediocrity, petit bourgeois pablum. I think the thing that tipped me off to what a prefabricated product he is was a list he released of his "favorite songs". Utterly conventional, a half-hour's programming for a Clear Channel "adult contemporary" station. So when I hear people swooning about all his supposed 11th dimensional chess, I think, does he even know how to castle queen-side?

"Make no mistake." Bleaaaauuurrrgghh.

It isn't necessarily intuitive, but it's more important and effective to move your debt out of the banks than your cash. Here's how it works from an accounting/finance POV: Cash on deposit at a bank or credit union is a liability to them. Holding your mortgage or credit card debt is what shows up as an asset on their balance sheets. Refinance your mortgage with a credit union, and take assets away from the bank and into the credit union. Besides, most people who own a house have a mortgage debt that is many times the size of their bank accounts, moving that is the biggest impact they can have on the operations of the finance system.