I have to be honest and say I have been shaking my head a lot lately and asking "why"?  Wondering "why"? When will it end?  When will my head quit spinning from all the lending changes?  When will we (or should I say our politicians) be smart enough to remedy the situation before it is completely out of control?

Who is to blame for the housing mess?  Realtors - because homes were a hot commodity and buyers were often in a bidding war and paying an overinflated price to get the home of their dreams? Loan consultants -because they had buyers that qualified for mortgages that had loosy goosey qualifying standards?  Or, Politicians - because they were professionally advised and blew it off that there was a housing/lending problem that should have been fixed years ago? 

Here is an amazing video.  If you cannot watch it in its' entirety, watch the beginning and then make sure you go to the end:

http://www.youtube.com/watch?v=_MGT_cSi7Rs&feature=PlayList&p=A6BB9BBA019459

This article from the New York Times is also an eye opener:

http://query.nytimes.com/gst/fullpage.html?res=9C0DE7DB153EF933A0575AC0A96F958260&sec=&spon=&pagewa

With all the finger pointing, when will the politics stop and accountability be a factor for our politicians?  This is a critical time.  I am afraid of what the next 5 weeks of politics is going to do to the U.S.A.