To stem this crisis, Senator Clinton has called for a 90-day moratorium on subprime foreclosures and an automatic rate freeze on subprime mortgages of at least five years or until servicers have converted the unworkable mortgages into loans families can afford.

Would the 90-say moratorium be considered a "freeze"?

meaning that mortgage bankers CANNOT send a home into foreclosure?

Gobblwumpus ?