Paul Ryan was a genial messenger for a tough message in his response to the SOTU, and gave the downbeat speech Obama didn't.

Speaking candidly, as one citizen to another: We still have time... but not much time. If we continue down our current path, we know what our future will be.

Just take a look at what's happening to Greece, Ireland, the United Kingdom and other nations in Europe. They didn't act soon enough; and now their governments have been forced to impose painful austerity measures: large benefit cuts to seniors and huge tax increases on everybody.

Their day of reckoning has arrived. Ours is around the corner. That is why we must act now.