Not that this is a major problem with the article, but the Powell and Stringham paper they refer to is from 2004, and can be accessed here. http://papers.ssrn.c

Not that this is a major problem with the article, but the Powell and Stringham paper they refer to is from 2004, and can be accessed here. http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1676277 http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1676277 They don't misrepresent it, but it is rather old. I think it would be relevant to see how these policies have faired over the last 8 years. I suspect that they have done more harm, rather than less through the housing crisis.