I am not clueless bud. Your not looking at the bigger picture. Yes Fannie and Freddie worked flawlessly in the past. The problem is that monetary polict has changed massively since they where created, and now they are fatally flawed. And they are not the only things that where ruined by our Gov't.
Research!!!! I hope you spent as much time researching how this works, and the systems behind it, then it would have taken you to work to make the money that you put into this. "Easy come easy go."
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