[classicman]

IIRC we, had the discussion previously about the the lenders being more than just encouraged. Thats splitting hairs. . .

If the lenders profits were tied into their default rates perhaps that would deter some questionable lending. I know that if I don't get paid on a sale there is no commission earned, perhaps they should be compensated in some similar fashion. Bailing them out and leaving them go without severe penalties certainly isn't the answer. I understand what the philosophy was on the bailouts, but still. It let a lot of guilty mofo's get off scott free.