Unions are killing this country!! As my dad used to say, "another country heard from that doesn't amount to nothing." Wasn't it the big banks, Wall Street, greedy investors, and home buyers signing contracts to buy that really couldn't afford the house? A lot of the blame for these mortgages should go to the mortgage lenders that made these loans. My philosophy in lending was, if the loan was good for the lender, it was good for the borrower. If lending institutions would have followed that philosophy, I am sure we would not have experienced the mortgage problems that now exist.