“I think it’s going to reach a point where there’s either social disorder or bankruptcy before people will act.” That’s what Richard Ravich said about Illinois. He led the New York Metropolitan Transit Authority during that city’s financial crisis of the mid-1970s and co-authored a the recent bipartisan State Budget Crisis Task Force report along with former Fed chief Paul Volker. You already know if you’re a regular here that our financial plight is much more desperate than commonly understood and nobody in Springfield is even discussing reforms as big as we need. If you’re new here please see