It can be rough. Cost me a home once! Right now, it appears the US will have to learn this all the hard way. The financials are super attractive for people at

It can be rough. Cost me a home once! Right now, it appears the US will have to learn this all the hard way. The financials are super attractive for people at the business level, and can be compelling for care providers, who may have expensive school to pay down. For most everyone else, including many employers, it is increasingly painful. The nature of the issue also makes change hard. Many people do not want to disturb what is working for them however painful. Can't blame them.