Where did I say that they did invent them?
Wall Street has a big chunk of the blame. And the Do-Goodism of CRA, in concert with FM/FM loans and guarantees, is a big part of the genesis of the problem.
Half the blame is Fanny/Freddy-—totally Democrat
Other half is Wall St which is full of money crazed Democrats..... Though G Bush should have regulated them more. Chris Cox is awful