I, too, tire of the persistence of a few common themes that seem to be able to infect any topic, including "its always a good time to talk about how unprepared the majority of Americans are". The theme Art brings up in paragraph 3 seems to be particularly out of place on this board.

But I didn't find Art's comments to be offensive. Just a bit of a re-run. Many of Art's other comments and ideas are well received.

I hope that the discussion doesn't get hijacked, because that third paragraph is a really dull, overworked theme.