A homeowner hoped for financial relief when she applied through the federal "Making Homes Affordable" program. But she thought it was a Halloween prank, when her monthly payment was cut $1.61.
http://www.usatoday.com/videos/money/personalfinance/2012/10/12/1629275/

Realist - Everybody in America is soft, and hates conflict. The cure for this, both in politics and social life, is the same -- hardihood. Give them raw truth.