Ten percent is enough to allow credit to flow to all worthy borrowers.  It is enough to allow bankers their fair share of profit.  It is enough to protect families from permanent indebtedness.  And it is enough to divert our economy away from the speculative gambling that has caused our present economic crisis, and back towards productive wealth creation in the industries of the future:  green manufacturing, sustainable energy, and others that the American entrepreneurial spirit has yet to imagine.