please specified
thx

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Answers:    They have made a total mess of that, didn't they. The sub-prime lenders are no better than loan sharks. That's what they are! Their greed has land them into the financial cesspool and who suffers ? Not them but the ordinary Americans have to survive the repercussions of their irresponsible actions.
If you want to move your question to the macro plane, look at what they are doing to third world countries with debts that they have no hope of ever repaying and hence they will never draw from out of the poverty cycle.
In the third world, do you know what IMF stands for?
International Mot**r Fuc**r.
Perhaps a better alternative will be micro lending, a system developed in Bangladesh . It offer the marginalized in society credit and financial advice minus asking for an arm or a leg. The importance of this system is that it gives society real hope and eliminate defeatism.
Imagine how it will affect the dole queue if it is applied surrounded by America, that is if the Lobbyists haven't shot it down first!
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