Well I dont want to try to pretend to know all about this, but I am in the real estate industry, and I can tell you that the sub prime market has tanked. It needed to as well, for some stupid reason lenders decided that they needed to hand out loans to people who are no where near credit worthy, now all the sudden people are forclosing, imagine that. I know the elimination of the gold standard brought on the buy now pay later era that we live in now. I think the only way to fix this is to elect somone like Ron Paul who will actually adress these problems because the bankers aren't in his pockets. I dont know for sure but I think Wilson was the person that sold America out by creating the federal reserve. Anyhow I'll leave this debate to more capable minds, but that is just my humble opionion.