As long as we are on this subject, look what we are doing with Fannie and Freddie. Both institutions have failed and have taken on huge risks, for which the taxpayers are, presumably, on the hook (the Govt. guarantee of both institutions is...wink wink....unofficial - but there's no way we'd let them fail). So...now we are giving Fannie and Freddie power to borrow more money (leverage again!) plus buy higher balance mortgages. Sounds crazy to me!