Every month, my cell phone company, they send me information about text messaging. What's the pitch for text messaging?

"Do you find talking on the phone to be too convenient? Would you like to turn your phone conversations into a more laborious process? Would you like to find more areas of your life that involve typing?"

Today, we are bailing out the banks because of their greedy and deceptive lending practices in the mortgage industry. But this is just the tip of the iceberg. More is coming, I'm sorry to say. Layoffs are being announced nationwide in the tens of thousands. As people begin to lose their jobs, they will not be able to pay their credit card bills either. And the banks will be back for more handouts.

The banks have enjoyed record earnings in the past years by behaving in such an irresponsible manner that our country's economic soundness is now at risk. It is time that they pay us back. And if that means earning a smaller spread on S.B.A. loans that will revitalize our country, then they will just have to learn to live with less profitability and income. It's what we've all had to learn to do because of them.