"a moderating force"????? And who decides that?? Interesting notion, but if you knew of what you speak, you would know that the 90% rate may have been there but NO ONE paid nearly that high - so the actual rate was much lower (depending on the person paying). And the e"I-Me-Mine" agenda is all on the left - just look at the Occupy crowed or Obama phone voters who want from others. Or, just like you. We are in this mess because of SPENDING. So sad you deny that reality. At least other leftists would say spending is good, you, sadly, deny that spending has taken place.