Abstract
Abstract In July 2008, in a column in the Canadian newspaper National Post, David Frum, the former speechwriter for President George W. Bush, wrote: “The shapers of the American mortgage finance system hoped to achieve the security of government ownership, the integrity of local banking and the ingenuity of Wall Street. Instead they got the ingenuity of government, the security of local banking and the integrity of Wall Street.” He has a point.
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