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Then we announced the top 10 on our Facebook page in alphabetical order and let you vote one last time to decide the top 10 order. We double-checked the numbers, it got beat out by three votes.

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The reason for the changes was that the federal Department of Housing and Urban Development was facing large losses associated with their guarantees to reverse mortgage borrowers and lenders. When Equifax, one of the three major credit bureaus, announced that it had exposed the names, Social Security numbers, birth dates, addresses and, in some cases, driver's license numbers of consumers -- affecting as many as 146 million people in the U. Many of those workers earn too much to qualify for a subsidy under the Affordable Care Act.

So they and their families are literally priced out of the health insurance market. History tells us that bear markets occur nearly every four years, and corrections come every 26 months.

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