And I would take issue with the idea that the current crisis is due to anything 'selfish'. Sounds like the claim of someone working in finance. If you're refer

And I would take issue with the idea that the current crisis is due to anything 'selfish'. Sounds like the claim of someone working in finance. If you're referring to CRA then just follow the money and you will see CRA accounted for little over a third of all subprime loans. AND, anyone in finance should know it wasn't just the subprime deals that went down. The entire mortgage market went down. CRA being the culprit is a long-shot at best, but please elaborate if I've got you wrong. With regard to the well-meaning behavior, well, it wasn't just well-meaning behavior just like it wasn't just CRA. There was plenty of selfishness. People on the street couldn't get enough paper for packaging securities. The money on the commission for selling this was huge. You're crazy if you think anyone on the street will turn down an easy way to make money.