Help! How to understand the mortgage crisis? Read this

Thanks to Huffington Post for publishing this instructive piece on where the mortgage crisis and the subsequent global financial crisis came from: willful fraud by lenders.

And did it ring a bell with you when the author reports that the FBI was warning of an epidemic of mortgage fraud already in 2004? Sounded familiar to me.

Read down into the comments and see how the dittoheads chime in trying to blame the problem on the Democrats and the CRA. It's heartening to see the reality-based crowd rise and pound back with facts, logic and history. I've been against too much prison-building in this country, but I may have to revise that position if we're to mete out proper punishment to all who led us into this pickle.