Hmmm, didn't the feds lower the standards to qualify for a home mortgage? How'd that work out? What we have now is a gov't that attempts to subsidize those who have fallen on hard times due to policies enacted by ....the gov't. Then there are the subsequent generations, after 1965, who have made gov't dependency a way of life. There is no longer a two party system. Both parties engage in the same behavior. Free enterprise is dying from a thousand cuts and there is no one left in gov't to defend it.