[Swimmer]

Let me refine my answer just a bit, home loan mortgage originators should be reined in, not commercial business loan companies. Commercial lending from banks to businesses has little or maybe nothing at all to do with the current sub-prime fiasco. Other than one is lending money to the other to cover the bad debt incurred by originators, who work for companies like Country Wide that obviously never bothered to check what thier employees were doing. All Country Wide did was count the money they earned after selling the mortages they issued to unqualified people. The sub-prime mortgage fiasco was what I was referring too. No one anywhere has said bank to business loans, the SBA, sallie mae, which sucks by the way since it outsourced its servicing to India, or any commercial lending started or had anything to do with the current crisis.