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Dave, I'm sorry, but.... the States have been ruminating for years and years about diversification and to date, done nothing of any proper value about the problem. Even in the face of the inevitable shrinkage of the finance industry, Kevin and co continues to 'think' about the oncoming problem, without doing anything really constructive, presenting any well thought out alternatives, and is still 'reassuring' finance that in his - the States - minds, finance is still no 1... like they didn't already know. 'Some' of the alternatives for the airport project, that is the key word, 'some',were unacceptable. We, that is, the States, in the face of a black hole and seven shades of hell descending upon us with 0-10, worldwide recession backlash inevitably hitting us, and god knows what else, decided on the most expensive option when we didn't have to, and employed a whole bunch of imported labor to do the job (who send most their money off island) to boot. Apply that to personal finance, and it makes about as much sense as a soon to be redundant finance worker still insisting on a 4 x 4 when an economy car would do just as well. Fact is the States have always spent our money like water because it's not theirs, and because they can, and as I've said previously, keep squeezing the middle man for more and more, and eventually, despite tax breaks, companies won't be able to do business here, as the wage their staff will demand just to survive will drive them out, then quite simply, there won't be any more monies for the States to squander. I think it's called shooting oneself in the foot.