People were trying to make money within the letter of law, granted some might have stepped to the wrong side of the line. But everything is politicalized in this election year. Don't be manipulated by the politicians. If you blame those bankers for their greediness, remember the greediness of those ma-pa American are the exactly what they are fed of. I don't even want to mention the political pressure those congress men and women put on banks just a couple of years ago to make mortgage loans to so-called under-privileged people. Not saying that that's the cause of the problem, but when you are trying to figure out what's going on, it is only fair to hear from all sides before making your determination.