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“The mortgage sector, which caused the financial sector, is the most heavily manipulated sector in the economy. Fannie/Freddie own 50% of the $12 trillion worth of mortgages in the US. This is an unprecedented level of government intervention in a sector of the economy.It was two government interventions, Fannie Mae and the CRA, that created the subprime bubble:Fannie Mae:http://www.nytimes.com/1999/09/30/business/fannie- ...Fannie Mae Eases Credit To Aid Mortgage LendingBy STEVEN A. HOLMESPublished: September 30, 1999In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders.The action, which will begin as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring.Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits.--The Community Reinvestment Act:http://www.city-journal.org/html/10_1_the_trillion ...The Trillion-Dollar Bank Shakedown That Bodes Ill for CitiesHoward HusockWinter 2000The Clinton administration has turned the Community Reinvestment Act, a once-obscure and lightly enforced banking regulation law, into one of the most powerful mandates shaping American citiesâ€”and, as Senate Banking Committee chairman Phil Gramm memorably put it, a vast extortion scheme against the nation's banks. Under its provisions, U.S. banks have committed nearly $1 trillion for inner-city and low-income mortgages and real estate development projects, most of it funneled through a nationwide network of left-wing community groups, intent, in some cases, on teaching their low-income clients that the financial system is their enemy and, implicitly, that government, rather than their own striving, is the key to their well-being.--The only institutions that needed regulations were Fannie/Freddie, since they were government sponsored enterprises, but congress blocked oversight for them:Don't blame FreeMarket when it was state intervention that destroyed the financial sector.

Devin · Guest

Reformat the drive and reinstall Windows. Works every time!.
Seriously doubt anyone will mess with them!

Ashmera · Guest

The Enzo's speed alone more than makes up for its looks....***** Newsweek.?
OK folks, I'm an actual astronomer specializing in galaxy dynamics, so let me break this down for you. MOND was introduced to account for flat galaxy rotation curves in the absence of dark matter, at which it was very successful. However, MOND has failed to properly account for the motions of clusters of galaxies, while the LCDM (Lambda Cold Dark Matter) theory offers a better fit to the data. In addition, contrary to what is sometimes assumed, LCDM has made a number of predictions that have now been verified. The density of dark matter haloes in the outer regions has been found to be consistent with LCDM. In addition, simulations of the large scale structure of the universe display a pattern of voids and clumps strung together by filaments of dark matter, along which a large number of galaxies are expected to lie. This has been observed - galaxies do appear to lie along filaments. And of course, there's the bullet cluster and gravitational lensing.Here's MOND's real problem: it was intended to be a very simple theory (one free parameter) that could account for observed galaxy dynamics. However, you need to keep changing it and adding more free parameters to account for the other stuff that dark matter explains naturally. What's more, there's no reason to actually think that gravity must be modified as MOND states - it's purely ad hoc. However, there are a number of well-motivated candidates for what might constitute dark matter, namely axions, WIMPS, etc, all of which have been postulated for decades by particle physicists independent of the dark matter hypothesis.So now, you have a theory that want to make an ad hoc modification to the law of gravity to fit the data and that requires a bunch of extra parameters to make it work right, or you can explain all this stuff with dark matter naturally without having to change the laws of physics. We can't see it, but we have a good idea what it has to be made up of.Do you see now why most astronomers don't take MOND very seriously?

Naida · Guest

You just drag the square around with the pointer - clicking resets the map. I did the same thing.

Madelle · Guest

Just wear the same outfit everytime you go out and you can say it's the same time and it was a pretty wild party.

Hosseinzadeh · Guest

If "_6" is at the end of the digg URL, I'm sure this video has been posted before.

KUNAL · Guest

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