In closing, none of the answers you have read here can be considered a "fact". The only fact is that we are in a serious financial crisis that is extremely fluid. What America needs is our top financial minds, which will exclude the majority of politicians, putting their heads together to come up with a non-partisan answer. The answer isn’t letting the market "correct itself" nor is it boot strapping federal agencies and private banks with a mandate that bails out everyone in a bad mortgage.

The answer is in between those two extremes. The problem is that Democrats and Republicans are dragging their feet even more than usual because we are in an election year. Neither side is willing to give up ground with an election looming for fear that it may possibly give the other side bragging rights in November, ironically while their constituents suffer.

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