I totally agree on the need for audit and transparency. I think I can follow the idea of line of credit and an interest to be paid. I am not so sure I follow the application process for TARP money, and how exactly is that money characterized. When Obama said that money is being returned, I get confused, since many analysts say that in fact it is not true. The money returned is actually taxpayers' own money, as Banks got some tax breaks. So those taxes that will not be paid, became "returned" money. It is a mess. Since most of the money that went into stimulus has not been yet spent, and if and when spent, it will not be clear how will such stellar performance be assured. How does this "expert' know what kind of return exists in different economies. This "data" is nonsense, as it is absolutely not possible to make any comparisons, let alone actuarials. Inventing stuff seems to be a well paid job. How can I get one? No, I would rather go into climate change, and tell everyone of some other glaciers melting (Hymalaya's have been spoken for).