Mike Johanns actually said...

I think it gave us a bubble. It certainly gave us a burst of economic activity for a little while.

I could see the frown grow on your face as I asked this question, and I understand, but if we do not figure this out you are going to need a...

It seems to me that there are two really, really important things that really have led in a substantial way to this financial crisis.

If we don't figure this piece out, the mechanism won't make a bit of difference.