To: SGJ who wrote (34104 ) 7/21/2010 3:40:44 PM From: John 3 Recommendations Respond to of 103300 I understand completely, Texbanker. As a man with a strong financial background, I am confident that you have a deep understanding of the mathematical principals of most risk management models. Likewise, I am sure that you understand that the careful application of such models is required to balance the delicate relationship that exists between the risk assumed by lenders and the statistical probability of a corresponding reward. For years, lenders have been FORCED at gunpoint to seek out minorities and loan money to very high-risk "clients", purely for the sake of advancing diversity and neutralizing the mere perception of racism! With that fact in mind, what would a rational, sane person expect as the outcome from such an insane abandonment of the basic risk management model? Which function in the primary risk management equation balances the high risk associated with freely handing money to undesirables who have no ability and/or no motivation to repay the interest, much less the capital, of such loans? Let us all recall and understand that the Community Reinvestment Act was purely intended to hand reparations to Blacks and to secure the votes of Blacks for the DNC! The first Black president, Slick Willie, advanced the disastrous idea, which was planted by Nutty Peanut Carter years earlier. The second Black president, an illegal alien African, and his enablers are now capitalizing on it even more! investors.com When this lumbering diaster of a market crashes, it is going to cause quite a mess! If you think it is bad now, just wait! People will be desperately pining for the good 'ol years of 2008 to 2010! This will end very, very badly, my friends!