in the housing market. Been telling you this for years now. The Financial Crisis Inquiry Commission report stated correctly, Community Reinvestment Act had little or nothing to do with the meltdown in the housing market. That does not go well with Rush and Sean because they are facts and not ideology. Lack of financial regulation, excessive risk and borrowing in high end loans, no corporate governance and a lcak of ethics in the financial market caused 90%+. Commisssion was heavily Republican with Keith Hennessy, former chief economic adviser to The Bush Administration. Personal responsiblity, NOT SOME GOVERNMENT PROGRAM OR LAW, was the cause. Imagine that. DUH.