to my friend elwin, great name, you are an example of what we in the real work call a fox news conservative, bs spitting follower, that couldn't come up with his own ideas. With that said if you look up your not completely wrong but you are very repetitive. all those examples you gave are basically the same thing. Freddy and Fannie were the governments firm that organized the housing act. But what you fail to realize Fannie and Freddie were not the only company that did this. once more the housing crisis only attributed about 10% of the recession according to FBI reports. Keeping watching biased news and you will continue to know only half the story