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Just remember, in regards to your point 1., the bankers were being strong-armed by the Community Re-investment Act-thank Clinton and Carter, into providing loans to people who couldn't afford them. (I may have not gotten the name of the act exactly, but it gives the flavor.)
In response to:

Unintended Consequences

adf-MI Wrote: Sep 03, 2013 7:02 AM
"on grounds that these schools do not mix and match the races the way that public schools are supposed to." On one hand this administration race baits and on the other they want inclusive communities. Go figure. Thanks for another superb article Dr. Sowell.
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