1) do you think the market is "ripe for fraud (again)"?

2)History tends to repeat itself, but usually over a long period of time as memories fade. It's been ten years since the mortgage industry meltdown. To what extent do you think the mortgage industry may be close to another meltdown? What economic signals suggest the mortgage market is once again ripe for fraudsters?

3) To what extent do changes in sub-prime terminology and rebranding deceive the average consumer?