So, I was not surprised to discover that this did not exactly revolutionize the mortgage industry, and on some level I'm not all that disappointed. There is a

So, I was not surprised to discover that this did not exactly revolutionize the mortgage industry, and on some level I'm not all that disappointed. There is a problem, but getting "mad as hell" is probably not the solution. However...it does remind me of my chief disappointment with the Obama administration's approach to rebuilding after the Fiscal Crisis, and that is that we did not really change the financial system very much. I have the very strong impression that it will all happen again.