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edit- darn. Aramike beat me to it. I guess that's what I get for being so long-winded.
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Heh, perhaps but your post was more complete.
In any case, something else I find interesting is when people (typically on the left) present the idea that under-regulation is what got us into this mess. Personally, I believe it is quite the opposite. We've created a tax-hell, and a business climate where companies are almost forced to take heavy risks just to maintain viability. Then, the government creates ridiculous standards such as the Fair Housing Act which individuals have perverted into tortious-style litigation.
Yes, there are and will always be a few bad business practices out there ... but you don't destroy the orchard because of a few rotten apples.
Ask yourself: if the government were a business, do you think it'd still be in business?