The demoncrats have had 2 years to apply fixes to Fanny and Freddy and the mortgage industry, reign in the derivitives mess, help people stay in their homes and save the auto industry. Why now brown cow. This carnage is worser than the deep discounts of the 1970's which was also the fault of the demoncrats. Trouble is, the republicons are no better. Just like the auto industry, congress is a dinosaur because we leave them in election after election.