oh lordy...ahoy Mr.Nick, please, cease and desist with this kinda propaganda. its not true, it was never true...the CRA act exists now exactly as it existed in December 2007, the start 'o the "great recession". nothing hath been changed about it. ask yerself, "why isn't the CRA continuein' to wreak havoc on our economy?". the reason is, 'twas never the cause of it. - MeadHallPirate