Why is it so easy for us to put off doing the things we know would make life better only to continue doing the things that gratify us now? Even when we commit to long-term goals like diet, exercise, saving or planning, we marvel at how easily we are distracted by momentary temptations. The problem in a neurological nutshell is that we have a flaw built into our brains - we overvalue immediate gains at the expense of long-term opportunities or costs.

Despite the disruption of a two-week shutdown and media warnings of impending financial doom if the debt ceiling was not raised, the stock market and the Treasury market have done surprisingly well. Both, of course, have more to do with continued government influence than with economic drivers.

The barricades are down, the parks, monuments, and museums are open, the pandas are back on TV, licenses, passports, and IRS letters are being issued, and government workers can resume work and consuming. Headlines focus on the futility of the effort and disarray within the Republican Party, with some suggesting 'civil war.' Traditional backers from main street to Wall Street are furious with both the Tea Party and the leaders who allowed the derailment. And Democrats are doing their best not to gloat.

These are difficult times for Americans as we watch in disbelief our government's continued dysfunctionality in the face of impending crisis. The rising shrill of the media and political jabs only make matters worse. We wanted to share some facts we hope will assuage fears and put the current situation in a more realistic context.