The mortgage assistance as quantified by legislation signed by Clinton lead to many people getting into homes beyond their means. Additionally, it made it easier for homeowners to refinance existing homes while values were artificially inflating.

The housing bust was 10 years in the making.

Enter Obamma and his plan to help those underwater with mortgages refinance. Those are ones that bought or refinanced beyond their means and now they are being given special assistance?

Is that fair to those struggling with a house payment because they lost a job?

And, how many we're actually helped by that program?

Banking de-regulation -- wasn't that the infamous Frank-Dodd bill? A couple of Democrats...

Banks and financial houses need to have a certain amount of regulation. Lack of regulation lead to the great stock market crash about 80 years ago. Frank-Dodd set the stage for the last financial crisis four years ago.