Been laid up for several months. I'm posting today to refer you here for the simple but complete story of the Mortgage breakdown. There is no simple solution to the convoluted layers of derivitaves atop the securitized mortgages all with different owners. Caution, the "solution" demanded by Pelosi and the rest of our gagsterocracy will break the banks. Inform yourselves because this is the worst thing yet. You only think that you know who actually holds your mortgage. We have a system of honoring contracts but there is no honoring a hundred shadow owners of groups of mortgages all of whom want to be paid off.