Oh I understand it...those people are the same damn dummies that sign up for an ARM mortgage, for a house they can't afford, then forget to re-finance before the rate peaks...then they are left with jack crap and a low credit score. And wanting the govt. to bail their butts out. Of course, we can't forget Wall St....who took clean advantage of these morons and stole their wallets right out of their pockets all the while bending them over...then the investor stands up and says, Thank You...here's more of my money to invest. I'm sure Timmy boy is a millionaire....