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It is really critical to understand that the last two chairmen of the Federal Reserve first Greenspan and then Bernanke caused this bubble and then the bust. How???? Greenspan reduced rates about 2% over FOUR YEARS (after 9-11)…that caused the rise in prices (nearly 300% in our area); then Bernanke increased the rates by 2% in FOUR MONTHS (Sept 2006 to Dec 2006). His first four months in office. That was a criminal move! With all the people sold on adjustable rates by the lenders this was the bullet in the head of the american people. These are elitist bankers and not even a government institution. The name was carefully crafted to deceive the american public. It worked. We have to raid that institution and run them out of town. If I were president I would put them on trial for stealing public funds. They are still going to champagne parties while hardworking american families sold houses on inflated prices with 1 month, 2 month, 3 month, 6 month, 1 year, 2 year, 3 year ARMS are being rolled into the streets. They need to pay with life in prison. I have no sympathy and a great deal of anger when I hear those two names!