You just cant admit the scams that go on, can ya ribit. Being optimistic is a good thing, but turning a blind eye to reality isn't a good thing. yes predatory lending. Liar loans ,no doc loans, Call them what you like, they were created and all part of the ultimate plan, to break this country. It appears to me, they have served their purpose......

Realist - Everybody in America is soft, and hates conflict. The cure for this, both in politics and social life, is the same -- hardihood. Give them raw truth.