This is a list of talking points associated with my new book, Crush Depth Alert.

1. Talking Point Solutions
Associated with Crush Depth Alert
1. The elimination of the Government Sponsored Enterprises (GSEs) called Fannie Mae and
Freddie Mac and the creation of a new Federal organization called the Federal Mortgage Security
Guaranty Agency (Feddie), which consolidates and merges the functions of the old GSEs with those
of Ginnie Mae and the Federal Housing Administration while eliminating current total staffing by
more than one-half;
2. The establishment of a 4% 30-year mortgage rate for the primary home (not to exceed $1
million) of any American citizen backed by the Full Faith and Credit of the United States of
America. The creation of a new “state of the art” Underwriting System that ensures that good
standard lending criteria (e.g. 31% mortgage debt/income or 38% total debt/income ratios) are
met and followed. Secondary or speculative homes would be required to obtain loans through
private means outside of the new ‘Feddie’ organization mentioned in item 1 above. Any one who
gets one of these nationally-guaranteed loans would be in effect promising the government that
they will honor the loan and make payments. Failure to back that promise, which resulted in a
foreclosure or other such action, would bar that person who received the loan from getting a
similar loan in the future unless there are specifically exceptional and acceptable reasons for the
loan default. Of course, loans approved outside of the ‘Feddie’ system are allowable; it is just
assumed that such loans would include higher risk and thus would require higher rates. Because of
the compounding effects of interest rates, Boswell says inflation should be controlled through short
term rates, not long term rates.
3. The consolidation of “all” banking regulatory operations that are spread out among several
federal entities within one organization, and that organization should be the Federal Deposit
Insurance Corporation (FDIC), and not the Federal Reserve;
4. A sophisticated and vigorous analysis of health care costs using the Performance Evaluation
Report Card (PERC) methodology, which is introduced in Crush Depth Alert, to identify costs per
capita per zip code and looking for abnormal variances both good and bad Census data per zip
code would be used to work out biasing effects and to understand where and why health care costs
are unexpectedly high and low in different areas. This approach will lead to many forms and ways
to reduce costs, improve services, and hold the medical and insurance industry accountable for
their operations.
5. A surplus budget for the U.S. Federal Government in 2013 (within three years) by increasing
revenue streams and reducing expenditures. The 4% solution mentioned in item 2 will do much to
stimulate the economy and increase the federal revenue stream (without raising taxes) and PERC
applications like that in item 4 will do much to reduce federal expenditures in the big expenditure
areas of health care and defense;
6. An agreement that “no” bank is too big to fail. Bank bailouts make no sense. Just don’t let
them all fail at the same time by monitoring them vigorously through the FDIC, using advanced
expert analysis; and
7. The implementation of the 99% attitude throughout business and government.