Kurt. Surely your not trying to ignore that fact that Barney Frank, Chris Dodd and Franklin Raines (All Democrats) were leading the charge to LOWER the standards for these loans at Fannie and Freddie, are you? They had a lot to gain by lowering the standards. It was padding their wallet, and you know it. They lowered the standards and pressured the banks to give out these bad loans. If the banks refused to give out the loans, there were fines going to be handed out, because of the language that the Democrats added. So technically, they WERE forced to give out the loans, or they would be fined. Just wanted to refresh you memory.