Ok.. After careful evaluation and thought, research, and more thought, I finally have come to a conclusion about everything that's going on with the mortgage crisis... SHITS FUCKED UP! Basically what happened is people who couldn't afford shit got shit. You walk up to a broker and say gimmie a house, he says, do you have a job you say yeah I make enough to buy a house and he says ok I will help you get one. He calls a bank and says give this guy a home loan and the bank says cool. Then broker says how much you got down on the house and the homeowner says well I ain't got shit... broker says ok. Well we can get you a loan for that too, but what we will do is "adjust the interest rates of your home according to the market" or sub prime loans so that eventually we can recoup that money back from you. Now the bank ain't verified shit, and the dude making 50,000 a year living in a 350,000 home that was over priced because demand was high. And when the market was ready to collect that money homeowner wasn't ready to pay. One month he paying 800, the next he paying 3500. He like hold up you sommma bitches! I cant afford that shit, and bank say well gimmie my house back. Now that happened to a few million people so the bank said, damn... We gotta get some of this money back from all these houses. So the bank sells the unpaid loans to dude on wall street. Like I got these millions of dollars in unpaid debt and I will sell you these for a little of nothing and throw in some good loans too. The greedy wall street dude seeing that he could make a huge profit said FUCK YEAH Imma buy that shit, and then Imma sell it to everybody all around the world Craig.. the world... This whole time nobody thinking about all the rest of the homes that's out there with people who cant afford the adjustable rates because they too busy passing around IOUs back and forth but no physical money to pay for the shit. Yet they paying themselves and the people they sold the IOUs the residuals from them. But then one day, there wasn't enough money to pay on the IOUs and people got pissed. I bought this totally good IOU but I ain't got paid! What the fuck is up with that shit? Gimmie my money man... then wall street like, well i ain't got yo money because a lot of people didn't pay on they house and shit got forclosed and nobody paying that shit off so leave me the fuck alone, go tell homeowner to give you yo money... So the dude wall street sold to said, ok well I'm selling all this shit and I want my money back dick weed...then wall street calling the bank like we gotta get the money back for this shit cause they over here tripping and shit, and the bank like, well we don't really have that shit. So in the end nobody got shit but everbody want they shit, so the government had to step in and give them OUR shit. But the funny thing about that is... the government aint really got shit either!!!! They out here writing checks in the name of the United States.. so everybody passing out fake money while aint shit fake about unemployment and homelessness.