I think it might be time for the Obama Administration to give a payroll tax cut. I'm thinking that most give to much money to the government during the year anyway.
I also think that moving your money from the big banks to your local banks might make sense in that it might help the local banks recover quicker and repay their outstanding bailout loans to the government. The big banks have already paid back their loans and have reported large profits (pre bailout payback for B of A and Citigroup)during the last quarter. I think it is important to show local bankers that run their business correctly that they have the communities support.