A Real Concern Today, The Economy

My real concern today is that the fundamental issues which exacerbated the crash have not been addressed. This is apolitical. We must fix the banking system and the stock market debacle first.
It will not cost a lot of money! It means changing the rules and re-establishing controls. 1. Put the Mark to Market rule on hold for a minimum of two years and longer if necessary. 2. Bring back the Uptick Rule to cut down on the market volatility. 3. Put a moratorium on short selling for at least two years to stop the speculators from manipulating the market. 4. Bring back Glass Siegle act to separate the commercial banks from the rest. 5. Re-regulate the banks ASAP. 6. Regulate the hedge funds to stop the market manipulation. NOW, when money is put into the banks they will be able to let it because their balance sheets will be in balance. These steps will slow down if not stop the wall street speculation/volatility.
My last recommendation is to ask the government to guarantee mortgage loans for primary home owners only, for 40 years at 4% fixed. I mean for every one who is a primary home owner. That should really slow mortgage foreclosures significantly. There are millions of people who were living on their investment income who have had that income reduced by 50% to 80%. This should buy some time for those people, including many seniors to recover.
Throwing money at the problems without addressing the rule changes that allowed us to get here will be ineffective. I see this as the commonsense approach to our problems.