When we look back at the history of banking in America, we can see the formative patterns that have shaped that industry over the past couple hundred years. Ellen’s guest, Jim Hogue, in a reprise of their earlier conversation, discusses who and what players were on the stage at the outset of our country, and how their ghosts continue to haunt the banking industry. Looking forward, Ellen discusses our infrastructure finance challenges and a simple way for CA, and the US, to save trillions of dollars over the coming years. And, what will the consumer culture of the future look like? Can we maintain our consumption-based economic system? Author and Dr. Maurie Cohen discusses his book The Future of Consumer Society – Prospects for Sustainability in the New Economy.