If anyone had called the subprime credit debacle "piffle", they would have been troll rated.
Let's stay civil please.
I haven't lacked civility towards you (or any other user), mmmm. You, however, say I'm "paternalistic" and that I "decide for everyone what is good for ET". Which is not civil, and is false. I'm not deciding for everyone. Neither, by the way, do you speak for everyone.