Mike; you know better than to tell the world "It was not the banks that created the mortgage crisis, It was, plain and simple, Congress who forced everybody to go and give mortgages to people who were on the cusp." On the cusp of what? The 99% who were "on the cusp" are guilty and the 1% who cleaned their clocks and laughed all the way to the bank are innocent naifs, corrupted by all those dirty pols.