I learned a long time ago that fairness in money matters is elusive. Everyone has their own thoughts on why prices change in any market. The whole thing these days is elementary to me. The fruits of labor are being stolen at an alarming rate by government incomptence to big money greed, mostly the bankers. Everyone along the chain is taking their side of public beef. These people steal from customer accounts and judges in NY say "no foul." Or you take your case to the high court and they say we don't have time to review your complaint. Since there is no rule of law anymore it's everyone for themselves. Forget what is fair and acceptable and start thinking about how you personally will survive the rapidly approaching world financial meltdown.