A just released 545 page report from the Financial Crisis Inquiry Commission is getting very low marks. The Wall Street Journal's website shows 39% of those who responded gave it an "F" and 60% gave the report a "D". Bend Financial Advisor Bill Valentine, with Valentine Ventures, says the report was very partisan. The six Democrats on the 10 person Commission supported its findings; the 4 Republicans refused to endorse it. Valentine says the report names villians like big banks and Wall Street; but leaves out the consumer: "The institutions; as it were the drug dealers in this situation were highly responsible for the reckless behavior in this crisis. But the drug user also has a responsibility as well. And I use the metaphor to describe the fact that for 25 years in this country, we've gotten away from the hard lessons that were learned during the depression." Valentine says those lessons are things like the value of saving, the proper use of debt and the importance of good credit. He believes this report could have been an opportunity to educate the American public, but was instead a waste of time and taxpayer money.