I understand you completly. You refuse to accept that democrats passed CRA and forced banks to make loans to people that couldn't afford them. Look it up any way you want. Personally I don't believe everything I read on the internet but although useful that isn't where I get my information. I read the WSJ, The Washington Times, Human Events, National Review, and several other publications. Also the Constitution of the United States. You might concider expanding your reading beyond the NYT and start watching and listening to FOX stations. I have to work for what I have. I don't want to work to give my money to people who want something for nothing. Why do you? Or are you one of them?