The fact that you see banks on the streets, you don't know who the owners are. Many banks are owned by governments.

The real truth of the matter is, as you and I know, that a financial element in the large centers has owned the government of the United States since the days of Andrew Jackson.

Franchises are independently owned and operated businesses whose owners are responsible for their operations.

I love my garlic press; in fact, it is probably my one true desert island gadget. But I'm happy to put it aside whenever the smell and sweet taste of slow-cooked garlic is called for.

This leads to a complete misrepresentation of fact. From the public's standpoint, there is an implication that owners are getting a cut of the proceeds. People read this in the press and they believe what they read.

That's reinforcing the fact that something has changed. Owners are now refinancing with rates not being the main driver.