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as for "free markets", well, we're reaping the results of markets that were left to determine their own limits.
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"Affirmative action" banking was not something the free markets came up with all by themselves. Carters' Community Reinvestment Act and Clintons further tweaking of those banking rules that required lenders to make risky loans weren't limits pushed by the free market willingly.
Their stupid liberal ideas about how it's every Americans right to own a home is as much as responsible for this mess as anything else.