Refinance 13: Key to 24-in-4
The initial step in saving the middle-class is to do what the upper class does--refinance assets and debts, e.g., Sallie Mae, Freddie Mac, Fanny Mae, TARP, Federal Reserve, etc. Refinance 13 is (will be) a quasi government agency like the previous agencies. In effect, it will implement a one-time refinancing of all middle-class debt as if the middle-class went through a combined Chapter 13 bankruptcy.
This will require the austerity of the usurists to
The alternative is a universal Chapter 7 liquidation of debt called social, economic and political revolution. Refinance 13 is not a luxury but a necessity if we are to save the middle-class. If we do not save the middle-class, we won't save anything by solving the big, common public problems: Climate Change.
24-in-4: By better freeing our human potential we can have a 24-hour workweek in 4 years with more disposable money and time for self, family and community in a safer, saner world.