There certainly was a spike in filings.

For the same cost we currently endure, we might bring so much more if we spend those dollars locally.

There's enough revenue in the country, there's enough taxes -- but there's not enough sharing of them. Municipal governments need somewhat more to deliver their responsibilities.

It's hard to start over. Not many of us really know how.

there will still be a need.

With the current pensions crisis, there is a real danger that we are going to have a generation who, having to pay off their student debts, are unable to save for their own retirement or support their pension-age parents.