We, that is domestic industries in general, have a problem.  It is a problem that has been growing for decades.  Perhaps it is one we have always had, but more pronounced in one industry or another.  It is accelerating quickly just as technology advances driven by synthetic intelligences, robotics, data availability and processing, and innovation singularity becomes accepted business practices. What is the problem you wonder?  Is it not enough housing?  Is it too easy of credit?  Is it growing caustic politics, or inappropriate human behaviors?  Is it too many regulations, or government malaise on the GSE’s?  Alas, for this discussion, it is something else.