udy , You seem to have a short memory . your (S)weet (O)ld (B)oy Barney Frank pushed legislation so anyone could buy a home . made no difference whether they qualified or not . if the banks did not comply they were to be sued . the reason I know is , I'm in the real estate business . had folks qualified for a loan that didn't have a job . totally ridiculous = ignorance . your hero Frank was head of the banking committee . it appears he was spending more time with his boyfriend than with the banking committee .