http://www.businessweek.com/bwdaily...20081031_008808.htm?chan=rss_topStories_ssi_5 "Chase has helped many families already, we feel it is our responsibility to provide additional help to homeowners during these challenging times" "The JPMorgan Chase announcement comes as the U.S. bailout strategy seems to be shifting from the initial approach of having the Treasury Dept. buy $700 billion worth of troubled mortgage assets from lenders, to investing directly in big banks to spur more loans (BusinessWeek, 10/29/08), and now toward a coordinated effort to restructure loan terms for individual borrowers." So wait a minute....First this money go to irresponsible banks, and now it goes directly to irresponsible people? US was build on responsibility and hard work, and responsibility is a result of certain fear. How these people will become responsible? But not to worry, all will be punished when this plan does not work... It is amazing how stupid or cynical US government is.