I agree with what was written here but to be honest it’s only half the story although the banks did all of what was said here they did it at the insistence of congress. That doesn’t mean that they are innocent cuse nothing going be further from the truth but Congress started the ball rolling and and then kept pushing it even as warning signs started to pop up. The real story was Written by Gretchen Morgenson and Joshua Rosner and is “Reckless Endangerment” read the book to get the total picture.