Mr. President, you are the most intelligent and classy political figure I've seen in my lifetime.

Mr. President, if you squander this opportunity to reform the banks and Wall St. I will join in a primary challenge to your re-election.

Mr. President, you can seize an historic moment.

The populace is feeling two emotions which are related but separate. One is a sense of unfairness. The other is the gut knowledge that the system is rigged. The sense of fairness is relative: a moderately well off person thinks his taxes are unfair, but so do the poor and the wealthy.

But when the over-arching financial structure is untouchable, unresponsive to the small business engine, unrepentant and unsanctioned for bringing our economy to its knees, and exists as a privileged society of insiders who are gated from the daily concerns and frustrations of common citizens, there can be only one conclusion. The system is rigged. The system excludes the ordinary citizen and small business owner, the system has concentrated the wealth of generations of hard working Americans, the system does what it wants with the nation's capital, the ordinary citizen doesn't have a vote on how the nation's capital is employed. Mr. President, the system is rigged and everyone but you seems to accept that fact as self evident.

I accept the argument that in the first two years of your presidency you made a choice to repair a damaged yacht rather than let it sink--after all, if the yacht had gone under many more crew members would have died than owners. But now the yacht has been refitted--thanks to forced taxation of the common citizens, and the owners wish their servants aboard so that their cruise may be resumed. They are looking to you, Mr. President, to plead their case, in the name of free enterprise and rising tides, to bring us all aboard for another cruise. The yacht is rigged and ready to sail.

The mid-term election changed the strengh and configuration of your political enemies. But in fact it has increased the power of your bully pulpit. Infrastructure spending that is the key to recovery and remolding our society and commercial enterprise structure is now limited. Isn't it self-evident that the power now resides in leadership--style and substance? No further appropriations are needed to rebuild your franchise.  But what is needed is imagination, salesmanship and a clear message of whether or not we will remain as two societies, separated by financial privilege.

Mr. President, use your bully pulpit and your opportunity to enforce the financial reform legislation that is already on the books. In so doing, turn your presidency around. The money and the legislative leverage has been spent. Now your power resides in conviction and inspiration. The key to inspiring economic will and  restoring trust among we the people is to bring the financial industry to heel.

Mr. President, please accept this love sandwich from a person of modest means, who at relatively high personal cost maxed out his contributions to you in '08. But I'm not going to spend the next two years wondering if you are going to repossess the yacht I helped pay for or if you are going to board the yacht and take a cruise with the owners. I am just not in the mood for champaign and tea sandwiches.