They must learn this.
They must also learn how to be open and honest;their clients should, at all times, know how toxic the bank assets are.
What the Rat states is how things are now.
If social security needs more money, they should control Medicare better, and, the biggie; put an end to the "cut off" of social security contributions.
Its not right that the rich, the very rich, and the filthy rich all pay the same.
And this will never change as long as the conservatives/libertarians remain in power.