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Eric & Karen,Actually President Johnson, set up the basics for the mortgage crisis when he signed legislation that converted Fannie Mae from a government controlled corporation to an independent publicly owned corporation, and then late President Carter and his democratic congress added to the risk by initiating the Community reinvestment Act ( I was a community bank executive at the time), and we were forced to make mortgage loans to unqualified buyers. This risk was expanded further under President Clinton, when he signed legislation repealing the Glass-Steagall Act. And, then Barney frank and Maxine Waters fought the Republican attempt to add more controls on the loose credit operations of Fannie Mae and Freddie Mac. I was a community bank CEO during much of that time, and never had to be bailed out, although I could see that problems with mortgages could very easily develop down the road. Savings & Loan institutions were often financing 30 year fixed-rate mortgages with short term deposits. Then Fannie Mae and Freddie Mac started buying up millions of dollars in mortgages.

Cumulative voting my friends is a good thing if we put it to use for the country. This is a precedent. There are several other precedents in which this was done. Its been established. Let it ride. Then, lets pass a voting rights act, or even an amendment (I can dream cant I?) that gives cumulative voting rights only to those who have EARNED them. e.g., Everyone gets one vote. But! If you have held a job for more than a year prior to the election, you can have two. Parents get votes for their children. Military members get votes for serving and another one if theyve seen combat and another one if they were wounded in combat. Business owners, employing more than ten people and active in the management of their business get one for having the business. A college degree gets you one. A graduate degree gets you one. By this formulation I could have four or five votes right now.

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