right? shouldn't we blame practices in place at bank of america and wells fargo. joining me to answer that, executive business editor of the "huffington post" and author of "past due." also shawna smith, the president of the national fair housing alliance. lynette cox who is co-founder of ask the money coach.com and author of "zero debt for college grads." i'll be talking to her later. and peter, let me start with you, what is the problem of housing prices for responsible homeowners. >> you hit part of it already. you had this predatory system, wall street hungering for higher risk assets because the world seemed so safe in the housing bubble. investors were pouring into anything with more risk. you had a retail operation in memphis, baltimore, where wells fargo targeted people with lower