Part of the current liquidity problem is individuals and institutions who are hoarding cash. And who can blame them given the performance of stocks and bonds. But do you remember War Bonds? Well, neither do I. But I’d love the chance to invest in the future of America. I think President Obama and the new super-majority House and Senate should direct the U.S. Treasury to issue American Recovery Bonds that pay 4.0%-4.5%, federal tax-free with 25-year maturities. The revenues would be used to fund infrastructure projects including highway repairs and solar- and wind-power generation plants. All that money goes to working Americans who in turn keep our economy and credit markets alive. I’d buy them, wouldn’t you? Good investments for those 401(k)s and IRAs, too.