I think you may have misread my post or perhaps my point wasn't clear. I never said that your original post was a "blanket criticism of Obamacare". I said, "your blanket criticism of Obamacare critics misses an important element".

The essence of my post was to advocate process over details. I actually agree with you on much of the detail you have recently posted.

When are CD rates going up? Don't hold my breath right?