Very true again in regards to the actors involved in the financial crisis: while we both probably agree that key personnel within financial institutions deserve a bigger share of the blame for all the financial improvidence that has occurred, I do agree that many borrowers would have done much better to show better restraint and intelligence when it came to borrowing. (And yes, eschewing any second mortgages for vacations and such is smart finance
) But, it sounds like you and your family, all in all, are managing things reasonably prudently, given whatever resources you all have.
And you are surely on target regarding how any possible World War III could roll out: yes, it could start as a Middle East theater, then add in a Pacific theater, etc. Thanks again for the cogent comments. —Best regards, Marc