California and Florida had a lot in common during the housing industry's last boom-and-bust cycle. Both were overrun by buyers hooked on high-risk mortgages, speculators who helped push prices to historic peaks and builders who didn't know when to stop. But in the last year or so, California's housing market, though still weak, has begun recovering, while Florida's remains on the critical list. California keeps things less complicated and largely outside the courtroom... Like 22 other states, Florida requires that repossessions be approved by judges... "The California process is very efficient, and that allows the state to work through the...