The problem lies with us: we've become addicted to experts. We've become addicted to their certainty, their assuredness, their definitiveness, and in the process, we have ceded our responsibility, substituting our intellect and our intelligence for their supposed words of wisdom.

All the central banks are doing is substituting one form of debt with another form of debt. They're issuing short term debt and using it to buy long term debt. In finance, we tend to think that's a neutral activity, even though those stimulus programs are huge.

Clients like Kerry Washington stay energized by substituting high carb, high fat foods with a diet rich in lean protein and low-calorie, fiber-rich vegetables. These foods not only keep you trim but have an amazing impact on the shape of the body, the appearance of skin, hair, and nails.

Our nation is being led astray by ungodly judges mayors and governors who are given to change defying the Constitution and substituting their own wicked agendas.