One Challenge

The biggest challenge that will face everyone in the next four years is the economy. This same problem has persisted in the American economy for the past 80 years. The market always builds itself to an unsustainable level based on the credit that should never have been extended. It happened during the Great Depression with the stockmarket and its happening now with the realestate market. This is going to harm any chance I and any one else has in purchasing a home or getting an apartment. The only way to correct this flaw in the credit market is to influence the lenders to restrict their loans without directly regulating it. If they are regulated then at the first instance of deregulation they get greedy and plunge us into this same situation. The only solution to correct the economy is to educate lenders and borrowers to only participate in reasonable ventures, not longshots in hope of winning the lottery.