Most of the big banks are insane. Just look at the third world loans in the 80's or whenever it was. Every decade or two they lose their mind and do things that no rational human being, esp. with an expensive MBA, would do. All of this is the equivalent of co-signing your business on a mortgage with your drunk, unemployed brother-in-law - it just doesn't make sense. That's why I'm dumbfounded that Bush and the government are going to jump in and write loans to the same group of people. What are they thinking???