The comments here are yet another great example of the fact that the American people are still retarded. Blame Republicans, blame Democrats. ***** that. They're both screwing you while you blame the other party. Neither of them would take a stand against giving home loans to poor people who can't afford home loans. Neither of them will stand up now and say...hey maybe we SHOULDN'T give tax credits to encourage people to buy homes even though they still can't afford the payments...wait maybe that's even what got us into this position in the first place.Ideas like that are just not politically correct, and since no one in this country seems to be able to realize that regardless of who they vote for, the poor population is by far the biggest voter base, so they will continue to be pandered to.Who was it that said democracy can only exist until the poor masses realize that they can vote themselves money from the treasury? Welcome to that realization.