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actually owns the more beginnings. the government is typical they set bad policy then blame the private sector for the case cross that follows. quinn, go ahead. rich believes in the free market and you believe in the free market by default except when the free market makes a mistake this wasn t the free market. this was the government forcing banks to write bad loans. you just said they passed them off even though they knew they were bad. what would you do? hold on a second, steve, we already saw it happening with one group of loans, student loans which were nationalized. will the same happen with mortgages? it is already happening, david. the banks write a mortgage today, they won t do it unless they can get a guarantee from fha or sell it off to fannie and freddie. in terms of judgment low loans they are extremely hard to get unless you have a relationship

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