During the past year we have witnessed quite a number of issues go wrong with our much touted financial institution. Last year will be recorded in the record books as one that should not be repeated, but should not be forgotten. Jump to the present and we are in a recession and our national deficit is spiking at an alarming rate. At this point 365 days ago gas prices were quite outrageous and American consumers were singing the blues, if we thought that was horrific fast forward to today a