How about we rethink this... ABOLISH the Fed, and cancel the decades of indebtedness thrust upon tax payers, to the tune of trillions in bailouts, special interest, and war. Let the banks compete with their own interest rate appointments, and let the people decide where to save their money. FDIC is a joke, and anyone willing to protect their investments, no matter the amount, can purchase a protection policy amortized for a specific amount of time. We need to stop giving OUR money to the EVIL BABYSITTER...