Hillary Clinton:
[W]e must address the skyrocketing rates of mortgage defaults and foreclosures that have buffeted the economy and ignited the credit crisis. Two million homeowners carry mortgages worth more than their homes. They hold $3 trillion in mortgage debt. Nearly three million adjustable-rate mortgages are scheduled for a rate increase in the next two years. Another wave of foreclosures looms.

But wait -- it isn't here yet. And it need not come at all, if we approach this crisis with some sense. Look at the facts NPR found:

My niece gave me a cold yesterday while we were playing with stuffed animals and numbered legos, and I'm so sorry as I meant to blog heavily today and just don't have the energy. But I was thinking of writing more about "why we fail," or perhaps better put, "how we can win" or even "learn from your enemies/those who have beaten you/to fight again another day and win this time." Joe noticed a good one.

The telemarketing campaign, run by a nonprofit organization called "Faith, Family and Freedom" begins its pitch by asking the callee if they were opposed to same sex marriage. If the callee responds positively, they are then transferred to a United American Technologies representative who will explain to them how the more common telephone service providers, such as AT&T, MCI and Verizon are supporters of gay marriage and child pornography, and that United American Technologies is "the only carrier that is taking an active stand against same sex marriages and hardcore child pornography".