in the concluding paragraph to this NYT's piece that I'm missing? With two unemployed, and one underemployed kids(s), today's (quaintly described) "predicament" seems pretty damned serious to this chile - Ms Bigmack

"However severe, our current predicament seems mild compared to the calamitous unemployment of the early 1930s. Hence, average Americans, mystified by the complexities of finance today, still await a new season of financial reform."