Economic success is based on many things, but to get the best results you will need to start with the banks. If the banks were to borrow money from the government for 1%, receive 3% from savings, 5% from certificate of deposits, lend atleast 7% personal loans/lines of credit to consumers,10% business loans to businesses, add a new investment loan for investors, and decrease some stipulations for getting loans, then you will see the economy in a better standing then ever before. As for the mortgage market if the banks/government would set the mortgage rate at 4%, that can not be raised, there wouldn't cause any bubble to burst anymore. Also, payday loans should be nationwide, that banks should add credit insurance to protect consumers from any event that would pay their credit cards, lines of credit, and loans partially or fully. Then lastly, there should be a way the government treasury can discharge the national debt and from it create investment programs where the government woul