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The government can implement all the rules and regulations it deems necessary but the bottom line is the people must change their ways. We Americans are way over extended. We have used credit upon credit to buy our new flat screens, to secure mortgages that are way over our budget, to drive the newest luxury suv's. Americans have forgotten the most important lesson-Live within your means!

We can blame the lenders all we want but the bottom line is we the people have created this mess.