EVERY mortgage borrower was misled as 1) banks hid trillions of MBS investments, 2) banks' ILC's fueled the housing bubble, 3) so-called financial crisis and 4) bailout. Now, certain banks refuse to lend; only after massive bonuses from leveraged proprietary trades on US Taxpayers, global creditors of US Treasury. What did full faith and credit cost to build? Think America! Not new, just prudence. And we pay for this? © Just attribute to "McFid, BFD expert since 2003."