The real question is, "Why did it take so long for this mess to unravel"? We'll let the "regulators" deal with that issue.
"I believe the country faces a critical crossroad and that the decisions that are made or not made within the next 10 years or so will have a profound effect on the future of our country, our children and our grandchildren. The problem gets bigger every day, and the tidal wave gets closer every day." - David Walker, comptroller general Aug. 2005
