In the annals of business, one of the most critical events of our time is the economic downturn of 2008. Many people, however, do not recognize the sheer importance of the event, the dilemma, and the process of the economic downturn of 2008. One particular reason people don’t recognize the paradigm shift is because the goal line for business and personal finance has moved forward. In other words, businesses and individuals are still playing on a 100 yard field when the field has been repositioned for 150 yards.