really careful. we think financial collapse, the economic downturn, a bailout of the banking system and first and foremost, the dollar volume of car lending in a sub prime car lending isn t enough to wipe out the banks and require a bailout, number one. and unlike the housing boom, these lenders know that the car, the asset depreciates in value. one of the hallmarks of the housing boom and bust was that lend makers didn t think that housing markets would fall and didn t write the loans appropriately. new york times covers a lot of these loans that are made to people where it appears as if the car dealers are filling out paperwork and making up information about people s incomes, where they work, their job histories and getting them into loans that are way more than the value of the car which is illegal, frankly. and it s not covered by the banking industry because this is part of the car dealers, not