I feel the need to.... well no not really. It's pretty simple really, what would motivate this subprime crap getting started in the first place? Gov't beatdowns of course. Finally somone with more time on their hands has shown it in a more substantial way. How many times must this be relived in history? Liberal economics=disaster because liberal economics is all about their vision of social justice and not wealth creation. http://www.businessinsider.com/the-cra-debate-a-users-guide-2009-6 Beware folks, the same type of thinking that gave us the CRA garbage is now in power full force. Obama is setting up mortgage crisis x 10 with his leftist/multiculturist/tear-down-mean-white-america agenda.