Aired 01/04/11 John Clifton "Jack" Bogle is the founder and retired CEO of The Vanguard Group. The answer to the conundrum of 2008 lies in John Bogle's book, "Enough," which is the punch line from a delightful Kurt Vonnegut/Joseph Heller story. Simply put, our nation has been suffering from decades of unchecked financial excess, for which we are now paying the piper: excess in investment company fees; excess in financial speculation masquerading as diversification and innovation; excess in the salaries of top executives; excess in salesmanship; and most importantly, excess in the role played by the financial industry in our national economy and national life.