Oh my bad, i shouldn't try and have an intelligent discussion on here. And thats not just a college course fool, its common sense. Most people dont know what is goin on, they just see "bailout" and $700 billion and they just think that we're giving them free money, and thats not the case. 80% of the population wouldnt be able to tell you the reason behind the current economic crisis. Thats half the problem. People get into these loans and they cant even cover the principal payments, let alone the interest. We gotta deal with fixing the problem first and then bringing to justice the people who made these retarded financial decisions, and educating the everyday citizen who has no idea what the difference is between the nominal rate the bank says their charging you and the higher effective rate that they are actually charging you. Get smart people, dont ever trust a bank or anyone else for that matter when it comes to your money.