William M. Thomas: “No. I am more than willing to share the reductions in Medicare squeezing out waste, fraud, and abuse just like the…”

Government housing policies did contribute to the problem. Government tax positions also contributed to the problem.

I would say to her, it's OK to come forward, to come forward and to tell the truth in this case. The agony that these young men and their families have been put through, I simply cannot describe to you in words.

Community banks, basically when you move from that model of originate to hold to originate to sell, got pushed out of the home mortgage market pretty significantly.

When you are looking for victims and villains rather than essential causes, it is easy to examine the same set of facts and arrive at diametrically different conclusions.