Joyful Alternative

Financial Institutions Step Away from Government Debt

Did you mean the example's house is now worth $225,000? Otherwise, the illustration doesn't work. (Oh, and good luck to him trying to sell a house for what it's "worth.")

Negative Statistics Don't Point to a Bottom Just Yet

Most important financial innovation of the last 30 years: online banking and investing.
Most important financial innovation of the last 40 years: the Unicard, the first generic credit card and predecessor to Visa and Mastercard (or at least the first generic credit card I came across). Prior to that were individual credit cards for, e.g., a specific department store.