I'm sick and tired of Guy A'Dami, and his other lackies saying that Joe Consumer knew what he was doing, and should be punished. 1. Although some consumers did try to jive the system, they had to have the help of mortgage brokers. They just pinched one down here, and her 'customer' for scamming millions. 2. As a former licensed professional, when all else fails, it is the responsibliity of the license holder to do the right thing. He/she is trained and schooled for a reason. Why else would states make you take continuing ed? 3. Firms like Countrywide, and the brokers that bought and packaged, are also culprits, being licensed 'professionals', albeit Ashley DuPree type professionals, who we all knew were doing what they were doing. As Crames said, in a video.......'we did this stuff when I was at Goldman. Someone would ask, 'what happens if this blows up?' And someone else would say.....'who cares!!!????? Look what they are paying us to sell it!" What's next? When I was at a big firm, I had a lawyer call me to buy me lunch. What he wanted was "sales material>" That's what they are looking for now. You are going to see SEC/DOJ action upon action, followed by Class Action lawyers. That simple.