The Change We Need" must come from the Federal government and In my opinion, this sub prime mortgage mess would have never happened if "We the People" who do not have high paying jobs would have been granted the right to borrow a low interest home mortgage loan based on income directly from the Federal Reserve Bank which should be nationalized for the moderate income working class people of our nation who for too long have been enslaved by bank's and lending institution's by high interest rates on money that they receive (at a low interest rate) from the Fed. This is the remedy that I propose to President elect Barack Obama once he takes office. It is the only way out for these families' not more moratorium's (which the President elect seem's to be advocating) which only delay's the unavoidable. Due to the foreclosure mess. It would not surprise me that in the near future a 5th column in support of Al Qaida (The enemy of my enemy is my friend.will evolve within our own borders from some of the children of these American familie's who watched our government bail out the bank's & did nothing to help their parent's from losing their homes to these very banks. (less info)