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Read Kevin Villani

He has a different take on the crises. Let shorts short

"markets can become unbalanced, but they generally correct themselves"

and get the GSE'S out of the market.

"public protection and the associated prudential regulation had trumped market discipline"

Rates will go up, commercial banks will grow market share, China will move there money and home ownership rates will drop.

www.cato.org/pubs/pas/PA679.pdf