Modern America runs by merit - but that's created ethical problems.

Government overregulation of stockmarkets leads to crony capitalism.

Facebook's IPO was a disaster - because it was years too late.

Overregulation is killing the public company.

Risk and reward have to balance or businesses won't hire.

If even JPMC can unexpectedly lose billions of dollars of your money, it's time to stop gambling with it.

Anti-illegals is not anti-immigrant.

Somebody has to pay for even good things.

How not to be a team player.

Good schooling requires individual responsibility accountability.