Hi Pat:

What do I mean by 'it's a fixed game'.

It's like wars, the winners write the rules.

e.g., Is compound interest available to the end user, the consumer, other than as a charge we must pay?

Who writes the rules for government. I trust you will correct me if I am wrong(I hope so). Invariably, experts from the industry are brought in to participate in writing law.

So my point is, who has the most influence when any law is written, citizens or industry insiders: the rule is, it's a fixed game where the little guy has the least input if any.

One more please, as it sounds as if you are up on financial vehicles Pat. Tax Law, is that for the little guy or the guy/corp that can afford tax lawyers and/or lobbyists etc in order to plan to manipulate/change tax law to their best advantage?

That strikes me as a fixed game against the taxpayer, that's all. It bothers my sense of fairness.