The current financial crisis in a nut shell: A client of mine buys, renovates and then re-sells houses. They purchased a home for $30,000, put $20,000 of improvements in and sold it for $70,000 to a "sub prime" borrower. Sub-prime basically means someone who has never paid their bills but whom the government has forced banks to loan money to since the mid 90's. This person did not pay the mortgage, stayed in the house without paying for almost two years, demolished the house and made it a dump which is now worth less than the original $30,000 paid for...