The Republicans had a real advantage over the Democrats for a long time. And the principal advantage they have had is they have concentrated money and concentrated power. And, boy, when it's all concentrated, man, you can organize it, you can use it, you can get out there, you can run those negative ads, you can be effective, you can put money into campaigns.

When conservatives talk about opportunity, they mean opportunities for the rich to get richer, for the powerful to get more powerful.

Right now, with millions of Americans still out of work, and struggling to recover from the worst economic downturn since the great depression, with 40 million Americans dealing with student loans, with millions of people working full-time at minimum wage and still living in poverty, with the big banks getting bigger and the workers getting poorer, and seniors struggling to make ends meet, Republicans in Washington have decided the most important thing for them to focus on is how to deny women access to birth control.

It's powerfully important that our kids get an education in personal finance.

Paul Ryan looks around, sees three unemployed workers for every job opening in America, and blames the people who can't find a job.

The financial services industry has seemed to treat the crisis like a little rainfall - inconvenient, but no significant changes needed. The real question moving forward is how the industry will respond to Wall Street reform and growing public anger.

We have to rethink how to teach financial education in the 21st century.