What is the actual unemployment rate? Is it 9.6% or is it more like 20%? The thing that gets me is what happens to the disgruntled Americans who cannot find a job after 1 yr or after their unemployment money runs out? There thousands and thousands of people that have given up their job search. These individuals are not counted in the overall number. Consumers seem to be left in the dark about this and should know what the numbers truly are. Secondly, this whole Basel thing gives banks until 2019 to get their act together. But when the average American messes up the IRS is banging on our door in weeks. This could slow down the flow of money for Americans who are looking for loans.