NO KIDDING! Really? But what REALLY pisses me off is that the government intends to bail people out! I was SMART and I did NOT buy. I did not sign up for an irresponsible loan. And the people that did irresponsibly borrow are going to get government handouts! How stupid. So then my TAX DOLLARS pay for the stupid people. We’ve created a turd and we need to take our lumps! Reducing overnight funds to 1% has a price. If that means banks go under, then so be it. If 2 million home owners foreclose, then so be it! That’s only 2%. We can’t live off 6 figure home increases every year. Housing is not an INDUSTRY.