I couldn't agree with you more when it comes to mortgages. If anybody has noticed lately, adds pop up now saying you can get a 250,000 dollar loan for 1100-1200 a month when just a few months ago they said 700-800. They kinda sucked people in and now karma's hitting these companies. Most have gone out of business or close to it, even Countrywide might be going under. I don't think people realized what an arm loan or others could do in the future. Why not have an advertizement saying get 250,000 dollar loan at 1600 dollars a month after taxes and insurance. lol