Check out this You Tube video — I got this from a friend in my homeschool group. Thank you my friend!
Also check out this great bit of info from Mary Ellen over at The Bonny Blue House. I thank Bridget for posting the link over at Our Magnum Opus. She explains how Mary Ellen worked on Wall Street before children and has a good grasp on how this all happened. Thank you to her for putting this into an understandable post. (for simple minded people like me!)