When our federal government gets involved in something, the potential for corruption is too great - there's just too much money. We saw it with federally backed mortgages, federally backed student loans, and will see it with federally mandated health insurance. The intentions may be good but it's only a matter of time before opportunists screw it up.

The figures at the end of the article seem to be cherry-picked in a way to hide the full details. Instead of telling us what a quartile looks like, why not show the full distribution?