Please become educated. The downfall of 2009 was caused by home loans being forced to be given to people who could not afford to pay. The ones who forced the banks to do this stupid move were primarily democrats(Barney Frank and Chris Dodd). Mr Obummer sued the banks while doing his great work as a community organizer to also force the dumb loans. The democrats own the whole mess, yet the uninformed listen to the msm spin.