Last night on NBC News, I heard one of the best political put-downs ever. It came from John McCain. It was so understated and so brilliantly delivered that I almost missed it. But when I replayed it in my head, I laughed out loud.

During a speech at the Values Voters Summit last week, Congressman Louise Gohmert, a Republican from Texas, insinuated that McCain was an Al Qaeda supporter. Brian Williams asked McCain about that.

McCain responded in a very even, casual tone: “On that particular issue, sometimes comments like that are made out of malice. But if someone has no intelligence, I don’t view it as being a malicious statement. You can’t respond to that kind of thing.”

It was brilliant. Zing!

I really despise the Hastert Rule, also known as the “majority of the majority” rule. It’s named after former Republican House Speaker Dennis Hastert, but Newt Gingrich started it during the 1990s.

The Hastert Rule basically means that unless a majority of the Republican Congressmen favor something, it won’t come up for vote. That prevents bipartisan bills, whereby a group of Congressmen from both parties cobble together a majority of Congressmen to get something passed.

So, let’s say 100% of Democratic Congressmen favor something, and 49% of the Republicans favor it. That means, potentially, that 75% of Congressmen favor the bill. Theoretically, they represent 75% of the American people.

BUT, they need 51% of Republicans for the bill to come to a vote. So, even though Congressmen overwhelmingly favor the bill, John Boehner won’t bring it to a vote. Complicating the situation currently are other dynamics, whereby, within the majority, you seemingly need a majority of the Tea Party Congressmen to pass something. I don’t quite understand why the Tea Party members have so much power.

Nancy Pelosi, the only Democratic Speaker since the 1990s, didn’t follow the Hastert Rule. John Boehner himself has violated it several times. But for the most part, it rules the day. And it helps make government even more dysfunctional. Thank you, Republican Party, for this wonderful contribution to American politics.

At the end of the Bush presidency, we had that big market crash. I remember meeting with our investment guy and learning that my 401K had lost tens of thousands of dollars. Same with Pam’s retirement funds.

Well, since then our funds have steadily climbed back up–not to where they were, but they’ve been doing well. I know, the right-wing pundits tell us the economy is terrible terrible terrible under Obama. All I know is, our funds have been rebuilding, and we’re pleased.

But that could all come crashing down–again–next week. For our funds, and for your’s, too.

The Republicans are threatening to not extend the debt limit unless certain demands are made. Obama’s “gun to the head” metaphor is totally appropriate. “Unless you defund Obamacare, we’ll shoot the economy.” Some of the more irresponsible and ignorant Republicans are even saying that the debt limit is no big deal–that the US can forego paying its bills, and that the US credit rating can drop, and the economy will continue on just fine.

Tell that to my retirement account next week. Tell that to me after, again, Pam and I lose loses thousands and thousands of dollars of value because of Republican irresponsibility.

Thank you, Tea Party. Thank you, Ted Cruz.

I have no–zero, zilch, nada–patience for the Tea Party. Not so much a problem with their goals as with their attitude of all-or-nothing. They will never be satisfied.

A couple years ago, Obama and Boehner agreed to a deal that would have cut the deficit by 5 trillion. But when Boehner took it back to the House, the Tea Party wing killed it. They wanted more. This past Sunday, Boehner admitted to George Stephanopolous that he and the Senate had reached a deal some weeks ago that would have averted the government shutdown. But then they added defunding Obamacare, and now here we are. Boehner no doubt took the deal back to the House, and the Tea Party wing killed it, again.

It doesn’t matter what kind of a deal is reached with the President. The Tea Party will not be satisfied. They’ll always want more, and unless they get absolutely everything they could possibly want, they’ll be afraid of being accused of compromising.

It reminds me of anti-abortion legislation during the 1980s, when pro-life Congressman wouldn’t settle for compromises on abortion. I heard a very upset pro-life Congressman from that time say something like this: “We could have saved hundreds of thousands of babies, but the hardliners wouldn’t settle for anything less than saving ALL babies. And the result–we didn’t get anything. We should have saved the hundreds of thousands NOW, and then continued working to save the rest.”

The all-or-nothing mentality never works in divided government. It’s about compromise, about give-and-take. But that’s the mentality of the Tea Party.

And it’s why, sometime after next week when the US defaults on its debt, Pam and I will loses thousands and thousands of dollars of value in our retirement accounts.

Oh–and so will you. Even if you’re a big Tea Party supporter, you will lose, too.