lets hope they are reading this-the reality of it is-the banks are the ones behind the S & P downgrade of the US. Afterall-the government has finally started to listen to the American people about being mistreated by these big banks and their cronies in Washington lobbying. The government has started looking into the back room deals and illegal practices and this is the banks way to manipluate things in their favor. The lower rating gives the banks carte blanche to raise interest rates without approval. They are being bailed out by the government at the same time they are sticking it to them. The American people need to clean house in Washington-these people are killing our country!