My banker recently asked (demanded) a budget and cash-flow for the 2011 business year. As a businessman, I was forced to sit at my desk and analyze the numbers and submit a budget. It resulted in some difficult choices as I consider future fuel prices, but my banker received a budget in timely fashion. Why cannot the “brightest and the best” within the halls of Congress do the same? Our budgets have long been adopted because we do not have the luxury of time to argue, debate, point fingers and stall. Our banker is waiting. Unfortunately, the entire leadership of this nation does not yet realize or understand what a vast majority of average American citizens know all too well. The banker is waiting.