All the perplexities, confusion and distress in America arise, not from defects in their Constitution or Confederation, not from want of honor or virtue, so much as from the downright ignorance of the nature of coin, credit and circulation.    John Adams


In other words, a lack of understanding our economy, how money or capital is accumulated, distributed, used or manipulated, hoarded and wasted accounts for much of the misunderstanding we have regarding our collective life in America.   To overcome this 'lack of understanding' we must develop, in our community, specialist in the disciplines of finance, business management  and law to help us navigate the waters of our collective ignorance.