dbfi...@gmail.com

There's plenty of blame to go around.  What about the loan officers
who approved this madness?  Oh yeah, they were only compensated for
the origination fees, not for the repayment of the loans.    Risk
analysis and underwriting standards also fell through the floor across
the board.

I'm not defending the guys who went to the HELOC ATM, but remember who
gave them the PIN and constant advertisements to go back when thinking
about this issue.