Just so I am clear on this, as I don't normally get involved in serious economics discussions but normally discussions that are more "socio-economic trends", sturg, does the term you used "free loaders" apply to the wealthy freeloaders who hide much of their income in offshore accounts, etc. or does it only apply to the poor freeloaders, whether they are truly just lazy jagoffs or really are trying and legitimate victims of an ever increasingly effed up system?