The FBI was warned about NY bomber 2years ago. Fail Community reinvestment act and sub prime loans hurt plenty of people and caused financial crisis. Fail. Interest rates have been near zero far too long hurting seniors and savers. Fail. Dodd Frank and low rates has caused bank cross selling. Fail. The government is behind the biggest Ponzi scheme, social security. Fail. When the hell are any of our elected officials held accountable? These hearings make me see red.