You have to understand that the US Federal government now effectively controls one half of the mortgages in America. When you hear the pinheads on "Marketplace" yapping about the fine distinction between conservatorship and receivership, you can safely disregard that pish as serious posh. The government owns your houses, dudes and dudettes, and you're paying them for the privilege of living there. Consider this: although effectively nationalized, you're still paying interest. There's this word that starts with an S and rhymes with Nerf, but it escapes me at the moment. This in any case has all occured under a supposedly conservative administration. George W. Bush: biggest socialist in America. I love this land.