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Who's to Blame for IndyMac's Failure?

[Who is to blame?
1. Congress for never passing a law mandating "teaser rates" be outlawed. ]

Should they outlaw teaser rates on furniture purchases, computers, etc., too?

While we're at it, let's get Senator Ensign to toss in an amendment to outlaw Vicodin, Percoset, and Oxycontin because some people develop a dependency.

Adjustable rate mortgages were available long before this crisis began, and they did benefit a number of people who used them properly.