With the Mega-banks in such terrible shape, a lot is being reported these days about small local banks that still work with a hand shake and good credit. That got me to thinking about fiscal responsibility at home, and that got me to thinking about this cartoon. The "Fed Speak" that the kid dictates in the first panel is actually translated from a speech by Alan Greenspan (man do I love Google). I changed the words a bit to fit a household budget. You'll probably have to click on the image to read the copy. I thought I'd use Times Roman to give it a more formal speech appeal. Enjoy.