There is a Chinese proverb that states defining things accurately is the beginning of wisdom. The definitions and explanations the financial industry uses to put forward its concepts and activities are flagrant in violating this principle of accuracy. Thus understanding of what is taking place, as well as attempts at correcting imbalances, are generally far off target. However, this confusion holds great promise. The public is hungry to understand. As clearer understandings emerge, the potential to find and effect solutions, at even the lowest grass-roots level, is materially enhanced.