[quote=Hobie]Don’t forget President Carter started with mandates to provide non discrimination and affordable housing in 1978(?). This, I believe is the tip of the arrow which got this snowball rolling.

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Seriously? How so? Did it also create the S&L crisis in the late 80’s and the subsequent real estate bubble burst of the early 90’s? If you think non-descrimination policies are a bad thing, do you think discrimination is a good thing?