In Bush W's second term, the Senate and Congress were both democratly lead. Good o'le Barney Frank from Massachusetts and his cohorts insisted that the government force the banks to deregulate, another words, relax their standards since all people deserved to own a house. (even people who couldn't afford them.) The law was passed by both houses, it took effect, the greedy took advantage, the housing boom was over, the banks were hit hard, the stock market crashed, the economy went ka-putz, the national debt skyrocketed, the value of the dollar went down, and here we are, with our d***s in our hands,