To:                The Right Honorable Federal Reserve Chairman Ben Bernanke  From:            Athinarayanan Sanjeevraja RE:                Restructuring the American economy Suggestion:     Encouraging domestic investment  Good Morning Chairman. In my opinion, structural economic problems can not be fixed by monetary policies especially QEs. QE can temporarily ease but growth will not return until sound economic structure is put in place.   You argued that White House need to address the medium term fiscal mess while leaving room to cushion the economy now.   In my opinion both fiscal and monetary policies are at the end of the rope.  American economy needs more debt fueled consumer spending which creates economic activity as well as jobs. It would require major restructuring of the American economy. I think that domestic investment which could help to stimulate aggregate demand, reduce unemployment and improve the overall economic outlook. If US consumers