Hello there brainsd1 and Allan – easy guys there is no need to blame among us. The system is well known to all of us. When housing became like a stock market game(from 2003) then I thought the results would be like one gain and other loser (like a speculation). But when this entire housing issue crackening our entire system then eventually our government has to do some justification(s). Whatever and whoever does… eventually this time losers are those who don’t even enter into this housing at all