elected a candidate of change. To which I respond: Do these words of President Obama sound like change? "A culture of irresponsibility took root, from Wall Street to Washington to Main Street." There it is. Right there. We are Main Street. We must, according to our president, share the blame. He went on to say: "And a regulatory regime basically crafted in the wake of a 20th-century economic crisis -- the Great Depression -- was overwhelmed by the speed, scope and sophistication of a 21st ...