*           Section 5 contends that governments have been conflicted by allowing too much freedom to the private sector and the individual to the collective detriment of the community which contravenes the Traditional Role of Democratic Government.

From time to time, governments announce reformation/regulation/new rules due to abuses.  On 31 March 2008 the U.S. released a "Blueprint for Financial Regulatory Reform" involving so they said sweeping reforms of its financial sector in an effort to restore confidence after the housing mortgage crisis that's rocked global stock markets, known as the sub prime crisis.  The plan would reputedly change how the US government regulates thousands of businesses from the nation's biggest banks and investment houses down to local mortgage brokers.  It would give the Federal Reserve more power to protect the stability of the entire financial system.  Alas, the US government moved to slow evidencing Lehman Brothers collapse on 16 Sept 2008, necessitating the US Congress to pass a bill on 3 October 2008 which lumbered upon the US taxpayer the cost of negligence, fraud and deceit by parties within the finance sector, in particular those who boldly wrote sub-prime loans, knowing that many of the mortgagees didn't contribute collateral or have net income to meet repayments, known as NINJA loans (no income, no job and no assets).  Why would any mortgagor knowingly write such risky loans?  Because the writers of these mortgages didn't retain on the writers' balance sheets the credit risk of default by the mortgagees.  Many sub prime loans were "securitised" (bundled up, assigned a credit rating and sold to third party investors from Fanny May, foreign NBFIs, even to local government councils in Europe and Australia).  The US Federal Reserve was negligent in artificially deflating the cost of borrowing money, as a reaction to 9/11, which created rampant inflation in real estate values which ultimately burst, and amidst a non-recourse mortgage structure, where borrowers could legally hand back the keys to their mortgagors when the value dropped below their mortgage, was the catalyst to the sub prime crisis.

The current global financial turmoil, and separately the recent revelations about how many parts per million (450) of carbon that photosynthesis can remove from CO2 which negatively impact Climate Change, are separate testimonies that Governments must similarly regulate to correct Negligent Lifestyle Behaviour.

Baby Boomers are living longer.  Conversely, the per capita tax payer pool is diminishing as more affluent adults are opting to marry later and have fewer children, resulting in fewer younger folk to provide the fiscal pool to meet 'inter alia' the Health System Costs of more older folk.   Hence, economic necessity dictates that Governments need to invoke the Traditional Role of Democratic Government to -

(A)        inform their citizens of the health and economic costs of the Causes; and

(B)        introduce a 6th Guidance Influence which, as a first step, would accredit RECs, under the Golden Guru's concept, to Take Charge Of  Interested Adults to commence one of 14 Recreational Exercise Activities (for the Pilot) to implement Positive Lifestyle Changes to Materially Alter Lifestyle to treat the Fifteen Problems, which include the Taskforce's Three Public Health Risks.

Governments similarly holds a duty of care to regulate and reform the 5th Guidance Influence, akin to the duty an agent has to act in the best interests of its principal(s), to treat the Fifteen Problems, which include the Taskforce's Three Public Health Risks.  Due to the deleterious impact of the 5th Guidance Influence which markedly contribute to, if not Cause, the Fifteen Problems, it behoves Government to assist its citizens, in particular those in lower socio-economic regions who are more vulnerable to Predatory Marketing, to reprioritise their values to Materially Alter Lifestyles by setting out straight forward, user-friendly, steps to achieve Fifteen Benefits Of Materially Altered Lifestyle.  Government also needs to quantify the reduced Health Care Costs and Increased Productivity of the 6th Guidance Influence to treat each of the Fifteen Problems, in particular the Three Public Health Risks, as explained in Section 16.

A patent failing of Government, particularly in First World Countries, has been to assume in their policy decision making that all citizens possess the same intellectual capacity to make informed decisions.  The dependence on high cost credit card finance in lower socio-economic groups is testimony that Government has failed our less intelligent, generally more gullible citizens, by allowing the 5th Guidance Influence to act in the best interests of itself through coercive advertising to hoodwink less intelligent citizens.  Governments also knowingly derive a high relative proportion of tax revenue for alcohol, cigarettes and gambling from lower-socio economic communities.  Section 6 explains that governments in First World Countries have failed their less fortunate, less educated and less intelligent citizens who are prone to advertisers portraying Jack Daniels 'et al' as an appealing, sought-after lifestyle.