Ronni, by ad hominem I mean every post you have addressed to me. You are hostile, you have little or no pertinent rebuttal as in this Janet Yellen piece, and so you resort to insults. So I ask again: What does your contrarian article have to do with Janet Yellen and her monetary policies and their effective ending of the Great Recession? I suspect you are simply parroting the recent right-wing condemnation of Yellen, which is wrong headed and backed by zero evidence. Yellen has done a great job at encouraging financial recovery from the Great Recession by keeping overnight loans cheap while at the same time, as anyone can plainly see, keeping inflation at historic lows for a decade while avoiding deflation, which would have taken our nation into prolonged economic depression. If you're not "in over your head", you will recognize the truth in that.