Greenspan and Bernake are responsible for the complete DESTRUCTION of the US $$$$$ and high inflation. Bernake and his groupies don’t seem serious about fixing this problem.

Greenspan + SubPrime Lending (and lack of lending standards)+ Really dumb Americans + Speculators + Mainstream Media are responsible for any housing or lender related crisis as well as the hugely inflated home values.

I am as much against gov. regulation as most any republican, but I do feel that there needs to be regulation in loans for homes. We need to get back to down payments, fixed rate, and away from int. only and 40 year loans. For those who buy a second home or speculators, a higher down payment should be required. This will greatly stabilize housing prices(lower them initially), and you will still see nice appreciation.