A guy tells you he knows how to handle this car, on wet pavement, as the telephone poles are looking like a picket fence. And then you are wiping the blood off your forehead while pinecones fall onto the steaming, mangled radiator. So today he claims to have learned what he used to say he knew and is working as a driving instructor, pointing out every tree to his students. Former Merrill Lynch executive uses the deaded D-word Fine, we trust you. Really. We do have a pretty good idea how bad things are. Now go sit in a corner while people whose career is not about fleecing people figure our way out of this. I mean anyone have any original ideas how to fix things? The tried-and-true approach(es) cannot be expected to work, AFAICT.