Richard L. Hanna: “Education is key, from the K through 12 foundation laid down by our school districts to higher education and beyond.”

The bottom line is this is not working, and people are not incentivized to use it.

What you are really describing is a race to the bottom, an opportunity to bid virtually against yourself, taking a risk that may be inappropriate in the moment.

We have all failed dramatically to address the impact of running this country into ever more debt.

I believe that this Congress has to change the law in order to allow you to do that