Ask these witnesses - "Did they personally buy, sell, flip or refinance a house during the hockey stick era OR know anyone who did?"

Before the Senates Special Investigative Subcommittee - the Senators - should baseline testimony - with the headline.

Many of these witnesses are good people - but it's also clear that what they undoubtedly saw, heard or did themselves during the hockey stick era - got lost on the way to the office and clearly got lost in their models - NO Matter how many data points or need to back into income numbers as Mr Raiter, formerly of S&P testified.

Another suggestion today hoped to end the siesta on the US taxpayers' dime.