That’s right! It’s all Goldman’s fault. The mortgage brokers, the rating agency management, the Federal Reserve, the members of the Senate Finance Committee and of the House Financial Services Committee, the Treasury Secretary, the President, the hundred million people looking for a huge free lunch out of home price appreciation, the millions of home buyers who signed false loan applications, Fannie Mae mgmt, Freddie Mac mgmt, FDIC mgmt…. all had little or no responsibility. It was all Goldman Sachs.