Business and banking problems that spread nation-wide in the United States, such as that we are enduring now, have all been caused by government and its regulations. From 1819 to 2007 there have been 22 major downturns and in every instance, government, operating outside the limits set by the Founders, caused the problem. There have been many failures of businesses and banks and many examples of improper activities, but absolutely nothing business has ever done has affected wide areas of the economy; business failures have only affected the company, its associates, and customers or clients. The economy of the United States of America has surpassed that of the rest of the world because of the free-market system and its protection by the Founders limits. As an engineer during the 1860s and 1870s, and my work with other nations’ engineers and manufacturers, it was obvious that we were substantially ahead of Europe and the rest of the world in technology and automated processes. And it has been widely acknowledged that we are fortunate to live in the United States, but details have been lacking on how fortunate – and what bought it about. This book explains the makeup of the market place, describes the successes it has brought to the country, and explains why. It also examines the current economic problems, explains how the government caused them, and proposes changes in regulations that would minimize them in the future. It also explains the international regulations that caused problems for nations overseas. Government, working outside limits set by the Constitution, has caused all the problems. The book explains what enabled the activities, and proposes changes in governmental makeup to minimize past problems and others.