레이블이 Accounting Firms in La인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Accounting Firms in La인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 29일 금요일

오전 7:08

By Bess Haslam

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About 'accounting firm los angeles'|Auditing firm that missed Bell scandals hires accounting group







About 'accounting firm los angeles'|Auditing firm that missed Bell scandals hires accounting group








Ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｉｍｅ               ｔｏ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ               ｙｏｕ               ｈａｖｅ               ａ               ｆｅｗ               ｄｉｆｆｅｒｅｎｔ               ｏｐｔｉｏｎｓ.

Ｙｏｕ               ｃａｎ               ｐｒｅｐａｒｅ               ｔｈｅ               ｒｅｔｕｒｎ               ｙｏｕｒｓｅｌｆ,               ｅｉｔｈｅｒ               ｍａｎｕａｌｌｙ,               ｕｓｉｎｇ               ａ               ｔａｘ               ｓｏｆｔｗａｒｅ               ｐａｃｋａｇｅ,               ｏｒ               ｕｓｉｎｇ               ｔｈｅ               ｔａｘ               ｓｏｆｔｗａｒｅ               ｐｒｏｖｉｄｅｒｓ               ａｕｔｈｏｒｉｚｅｄ               ｂｙ               ｔｈｅ               Ｉｎｔｅｒｎａｌ               Ｒｅｖｅｎｕｅ               Ｓｅｒｖｉｃｅ               (ＩＲＳ)               ｆｏｒ               ｆｉｌｉｎｇ               ｅｌｅｃｔｒｏｎｉｃａｌｌｙ.

Ｙｏｕ               ｃｏｕｌｄ               ａｓｋ               ａ               ｆｒｉｅｎｄ               ｏｒ               ｒｅｌａｔｉｖｅ               ｗｈｏ               ｈａｓ               ｓｏｍｅ               ｅｘｐｅｒｉｅｎｃｅ               ｉｎ               ｔａｘ               ｐｒｅｐａｒａｔｉｏｎ               ｔｏ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｆｏｒ               ｙｏｕ.

Ｙｏｕ               ｍａｙ               ｑｕａｌｉｆｙ               ｔｏ               ｈａｖｅ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｐｒｅｐａｒｅｄ               ｂｙ               ａ               ｖｏｌｕｎｔｅｅｒ               ｏｒｇａｎｉｚａｔｉｏｎ.

Ｏｒ               ｙｏｕ               ｃａｎ               ｈａｖｅ               ａ               ｐａｉｄ               ｐｒｅｐａｒｅｒ               ｄｏ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ.

Ｗｈａｔ               ｙｏｕ               ｄｏ               ｄｅｐｅｎｄｓ               ｏｎ               ｙｏｕｒ               ｏｗｎ               ｐｅｒｓｏｎａｌ               ｐｒｅｆｅｒｅｎｃｅ,               ｈｏｗ               ｃｏｍｐｌｉｃａｔｅｄ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｉｓ,               ｈｏｗ               ｑｕａｌｉｆｉｅｄ               ｙｏｕ               ｆｅｅｌ               ｙｏｕ               ａｒｅ               ｔｏ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｏｗｎ               ｒｅｔｕｒｎ,               ｗｈｏ               ｈａｓ               ｄｏｎｅ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ               ｉｎ               ｔｈｅ               ｐａｓｔ,               ａｎｄ               ｗｈｅｔｈｅｒ               ｙｏｕ               ｈａｖｅ               ａｎｙ               ｓｉｇｎｉｆｉｃａｎｔ               ｃｈａｎｇｅｓ               ｔｈｉｓ               ｙｅａｒ.

Ｉｆ               ｙｏｕ               ｈａｖｅ               ｄｏｎｅ               ｙｏｕｒ               ｏｗｎ               ｒｅｔｕｒｎ               ｉｎ               ｔｈｅ               ｐａｓｔ               ａｎｄ               ｙｏｕ               ｆｅｅｌ               ｃｏｍｆｏｒｔａｂｌｅ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｆｉｎｄ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｄｏ               ｙｏｕｒ               ｒｅｔｕｒｎ               ａｇａｉｎ               ｔｈｉｓ               ｙｅａｒ,               ｙｏｕ               ｓｈｏｕｌｄ               ｈａｖｅ               ｎｏ               ｐｒｏｂｌｅｍｓ.

Ａｌｓｏ,               ｔｈｅ               ｔａｘ               ｓｏｆｔｗａｒｅ               ｐｒｏｖｉｄｅｒｓ               ａｕｔｈｏｒｉｚｅｄ               ｂｙ               ｔｈｅ               ＩＲＳ               ｆｏｒ               ｉｔｓ               ｅ-ｆｉｌｅ               ｐｒｏｇｒａｍ               ｏｎ               ｉｔｓ               ｗｅｂｓｉｔｅ               ａｔ               ｗｗｗ.ｉｒｓ.ｇｏｖ               ｏｆｆｅｒ               ｓｏｆｔｗａｒｅ               ｔｈａｔ               ｗｉｌｌ               ｇｅｎｅｒａｌｌｙ               ｇｕｉｄｅ               ｙｏｕ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｐｒｏｃｅｓｓ,               ａｓｋｉｎｇ               ｙｏｕ               ｔｈｅ               ｎｅｃｅｓｓａｒｙ               ｑｕｅｓｔｉｏｎｓ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｃｏｒｒｅｃｔｌｙ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｏｎｌｉｎｅ.

Ｂｕｔ               ｉｆ               ｙｏｕ               ｐｒｅｆｅｒ               ｔｏ               ｕｓｅ               ａ               ｐａｉｄ               ｐｒｅｐａｒｅｒ,               ｙｏｕ               ａｌｓｏ               ｈａｖｅ               ｓｅｖｅｒａｌ               ｏｐｔｉｏｎｓ               ｔｈａｔ               ｙｏｕ               ｓｈｏｕｌｄ               ｃａｒｅｆｕｌｌｙ               ｅｖａｌｕａｔｅ.
               Ｔｙｐｅｓ               ｏｆ               Ｐａｉｄ               Ｐｒｅｐａｒｅｒｓ
               Ｔｈｅｒｅ               ａｒｅ               ａ               ｎｕｍｂｅｒ               ｏｆ               ｄｉｆｆｅｒｅｎｔ               ｔｙｐｅｓ               ｏｆ               ｐａｉｄ               ｐｒｅｐａｒｅｒｓ,               ｗｉｔｈ               ｄｉｆｆｅｒｅｎｔ               ｌｅｖｅｌｓ               ｏｆ               ｑｕａｌｉｆｉｃａｔｉｏｎｓ               ａｎｄ               ｃａｐａｂｉｌｉｔｉｅｓ,               ｏｆｆｅｒｉｎｇ               ｄｉｆｆｅｒｅｎｔ               ｔｙｐｅｓ               ｏｆ               ｓｅｒｖｉｃｅｓ.

Ｔｈｅｉｒ               ｐｒｉｃｅｓ               ｃａｎ               ａｌｓｏ               ｖａｒｙ               ｃｏｎｓｉｄｅｒａｂｌｙ.

Ｃｅｒｔａｉｎ               ｉｎｄｉｖｉｄｕａｌｓ               ｈａｖｅ               ｔｈｅ               ｑｕａｌｉｆｉｃａｔｉｏｎｓ               ｎｅｃｅｓｓａｒｙ               ｔｏ               ｒｅｐｒｅｓｅｎｔ               ｔａｘｐａｙｅｒｓ               ｂｅｆｏｒｅ               ｔｈｅ               ＩＲＳ,               ｂｕｔ               ｍａｎｙ               ｐａｉｄ               ｔａｘ               ｐｒｅｐａｒｅｒｓ               ｄｏ               ｎｏｔ.
               Ｔｈｅ               ＩＲＳ               ｄｏｅｓ               ｎｏｔ               ｃｅｒｔｉｆｙ               ｔａｘ               ｐｒｅｐａｒｅｒｓ,               ａｎｄ               ａｎｙ               ｐｅｒｓｏｎ               ｃａｎ               ｂｅ               ａ               ｐａｉｄ               ｔａｘ               ｐｒｅｐａｒｅｒ,               ａｌｔｈｏｕｇｈ               ｓｏｍｅ               ｓｔａｔｅｓ               ｓｕｃｈ               ａｓ               Ｃａｌｉｆｏｒｎｉａ               ｈａｖｅ               ｅｓｔａｂｌｉｓｈｅｄ               ｅｄｕｃａｔｉｏｎ               ａｎｄ               ｅｘｐｅｒｉｅｎｃｅ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｆｏｒ               ｔａｘ               ｐｒｅｐａｒｅｒｓ.

Ｔｈｅｒｅ               ｉｓ               ｆｅｄｅｒａｌ               ｒｅｇｕｌａｔｉｏｎ               ｏｆ               ｔａｘ               ｐｒｅｐａｒｅｒｓ               ｗｈｅｎ               ｉｔ               ｉｓ               ｄｅｔｅｒｍｉｎｅｄ               ｔｈａｔ               ｔｈｅｙ               ｐｒｅｐａｒｅｄ               ａｎｄ               ｓｉｇｎｅｄ               ａ               ｒｅｔｕｒｎ               ｔｈａｔ               ｔｈｅｙ               ｋｎｏｗ               ｗａｓ               ｗｒｏｎｇ,               ｏｒ               ｓｈｏｕｌｄ               ｈａｖｅ               ｋｎｏｗｎ               ｗａｓ               ｗｒｏｎｇ,               ｗｉｔｈ               ｐｅｎａｌｔｉｅｓ               ａｐｐｌｉｅｄ               ｉｎ               ｔｈａｔ               ｃａｓｅ.
               Ｌａｒｇｅ               Ｎａｔｉｏｎａｌ               Ｃｈａｉｎｓ
               Ｔｈｅ               ｌａｒｇｅ               ｎａｔｉｏｎａｌ               ｃｈａｉｎｓ               ｉｎｃｌｕｄｅ               Ｈ&Ｒ               Ｂｌｏｃｋ,               Ｊａｃｋｓｏｎ               Ｈｅｗｉｔｔ,               Ｌｉｂｅｒｔｙ               Ｔａｘ               Ｓｅｒｖｉｃｅ               ａｎｄ               ｏｔｈｅｒｓ.

Ｔｈｅｓｅ               ｌａｒｇｅ               ｆｉｒｍｓ               ｗｉｌｌ               ｇｅｎｅｒａｌｌｙ               ｈａｖｅ               ｓｔａｆｆ               ｗｉｔｈ               ｄｉｆｆｅｒｅｎｔ               ｌｅｖｅｌｓ               ｏｆ               ｑｕａｌｉｆｉｃａｔｉｏｎｓ.

Ｔｈｅｙ               ｇｅｎｅｒａｌｌｙ               ｈａｖｅ               ａ               ｔｒａｉｎｉｎｇ               ｐｒｏｇｒａｍ               ｆｏｒ               ｔｈｅｉｒ               ｔａｘ               ｐｒｅｐａｒｅｒｓ,               ａｎｄ               ｗｉｌｌ               ｈａｖｅ               ＣＰＡ'ｓ               (Ｃｅｒｔｉｆｉｅｄ               Ｐｕｂｌｉｃ               Ａｃｃｏｕｎｔａｎｔｓ)               ａｎｄ               ａｔｔｏｒｎｅｙｓ               ｏｎ               ｓｔａｆｆ               ｗｈｏ               ｃａｎ               ｒｅｐｒｅｓｅｎｔ               ｙｏｕ               ｂｅｆｏｒｅ               ｔｈｅ               ＩＲＳ               ｓｈｏｕｌｄ               ｔｈｅ               ｎｅｅｄ               ａｒｉｓｅ.
               Ａｃｃｏｕｎｔｉｎｇ               Ｆｉｒｍｓ
               Ａｃｃｏｕｎｔｉｎｇ               ｆｉｒｍｓ               ｃａｎ               ｒａｎｇｅ               ｆｒｏｍ               ａ               ｓｍａｌｌ               ｌｏｃａｌ               ｆｉｒｍ               ｏｐｅｒａｔｅｄ               ｂｙ               ａ               ＣＰＡ               ｏｒ               ｐｅｒｓｏｎ               ｗｉｔｈ               ｅｘｐｅｒｉｅｎｃｅ               ｉｎ               ｔａｘ               ｐｒｅｐａｒａｔｉｏｎ,               ｕｐ               ｔｏ               ｔｈｅ               ｌａｒｇｅ               ｉｎｔｅｒｎａｔｉｏｎａｌ               ａｃｃｏｕｎｔｉｎｇ               ｆｉｒｍｓ,               ｗｈｉｃｈ               ｓｐｅｃｉａｌｉｚｅ               ｉｎ               ｍｏｒｅ               ｃｏｍｐｌｅｘ               ｔａｘ               ｍａｔｔｅｒｓ.

Ａｒｅａｓ               ｏｆ               ｅｘｐｅｒｔｉｓｅ               ａｎｄ               ｆｅｅｓ               ｃａｎ               ｖａｒｙ               ｓｕｂｓｔａｎｔｉａｌｌｙ,               ｗｉｔｈ               ｔｈｅ               ｌａｒｇｅ               ｉｎｔｅｒｎａｔｉｏｎａｌ               ｆｉｒｍｓ               ｇｅｎｅｒａｌｌｙ               ｂｅｉｎｇ               ａｂｌｅ               ｔｏ               ｈａｎｄｌｅ               ａｎｙ               ｔｙｐｅ               ｏｆ               ｔａｘ               ｍａｔｔｅｒ,               ｂｕｔ               ｃｈａｒｇｉｎｇ               ｍｏｒｅ.
               ＣＰＡ'ｓ
               Ｃｅｒｔｉｆｉｅｄ               Ｐｕｂｌｉｃ               Ａｃｃｏｕｎｔａｎｔｓ               ａｒｅ               ｌｉｃｅｎｓｅｄ               ｂｙ               ｅａｃｈ               ｉｎｄｉｖｉｄｕａｌ               ｓｔａｔｅ               ｔｏ               ｐｒｏｖｉｄｅ               ａｃｃｏｕｎｔｉｎｇ,               ａｕｄｉｔｉｎｇ,               ａｎｄ               ｔａｘ               ｓｅｒｖｉｃｅｓ               ｔｏ               ｔｈｅ               ｇｅｎｅｒａｌ               ｐｕｂｌｉｃ.

Ｔｈｅｙ               ｍｕｓｔ               ｐａｓｓ               ｔｈｅ               ｕｎｉｆｏｒｍ               ＣＰＡ               ｅｘａｍ               ａｎｄ               ｈａｖｅ               ｅｘｐｅｒｉｅｎｃｅ               ｉｎ               ｐｕｂｌｉｃ               ａｃｃｏｕｎｔｉｎｇ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｂｅ               ｃｅｒｔｉｆｉｅｄ.

Ｔｈｅｙ               ｍｕｓｔ               ａｌｓｏ               ｍｅｅｔ               ｃｏｎｔｉｎｕｉｎｇ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｅｄｕｃａｔｉｏｎ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｒｅｔａｉｎ               ｔｈｅｉｒ               ｌｉｃｅｎｓｅ.

ＣＰＡ'ｓ               ａｒｅ               ａｕｔｈｏｒｉｚｅｄ               ｔｏ               ｒｅｐｒｅｓｅｎｔ               ｙｏｕ               ｂｅｆｏｒｅ               ｔｈｅ               ＩＲＳ.

Ｓｏｍｅ               ＣＰＡ'ｓ               ｓｐｅｃｉａｌｉｚｅ               ｉｎ               ｔａｘｅｓ               ａｎｄ               ｏｔｈｅｒｓ               ｄｏ               ｎｏｔ.

ＣＰＡ'ｓ               ｍａｙ               ｗｏｒｋ               ｉｎ               ａｎ               ａｃｃｏｕｎｔｉｎｇ               ｆｉｒｍ               ｏｒ               ｍａｙ               ｈａｖｅ               ｔｈｅｉｒ               ｏｗｎ               ｉｎｄｉｖｉｄｕａｌ               ｐｒａｃｔｉｃｅ.
               Ａｔｔｏｒｎｅｙｓ
               Ｓｏｍｅ               ａｔｔｏｒｎｅｙｓ               ｓｐｅｃｉａｌｉｚｅ               ｉｎ               ｔａｘ               ｌａｗ,               ａｎｄ               ｔｈｅｉｒ               ｐｒａｃｔｉｃｅ               ｍａｙ               ｂｅ               ｃｏｎｃｅｎｔｒａｔｅｄ               ｉｎ               ａ               ｓｐｅｃｉｆｉｃ               ａｒｅａ               ｏｆ               ｔａｘ               ｌａｗ.

Ｔｈｅｙ               ｍａｙ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ               ｏｒ               ｍａｙ               ｈｉｒｅ               ｓｏｍｅｏｎｅ               ｅｌｓｅ               ｔｏ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｒｅｔｕｒｎ,               ｂｕｔ               ｔｈｅｉｒ               ｓｐｅｃｉａｌｔｙ               ｉｓ               ｇｅｎｅｒａｌｌｙ               ｔｏ               ｒｅｐｒｅｓｅｎｔ               ｔａｘｐａｙｅｒｓ               ｂｅｆｏｒｅ               ｔｈｅ               ＩＲＳ               ｏｒ               ｉｎ               ｔａｘ               ｃｏｕｒｔ.
               Ｃｅｒｔｉｆｉｅｄ               Ｆｉｎａｎｃｉａｌ               Ｐｌａｎｎｅｒｓ
               Ｃｅｒｔｉｆｉｅｄ               Ｆｉｎａｎｃｉａｌ               Ｐｌａｎｎｅｒｓ               ｇｅｎｅｒａｌｌｙ               ｐｒｏｖｉｄｅ               ａｄｖｉｃｅ               ａｎｄ               ｃｏｕｎｓｅｌｉｎｇ               ｏｎ               ｐｅｒｓｏｎａｌ               ｆｉｎａｎｃｅｓ,               ｉｎｖｅｓｔｍｅｎｔｓ,               ｐｌａｎｎｉｎｇ               ｆｏｒ               ｒｅｔｉｒｅｍｅｎｔ,               ａｎｄ               ｅｓｔａｔｅ               ｐｌａｎｎｉｎｇ               ａｎｄ               ｔｈｅｙ               ｍａｙ               ａｌｓｏ               ｐｒｏｖｉｄｅ               ｔａｘ               ｓｅｒｖｉｃｅｓ.
               Ｅｎｒｏｌｌｅｄ               Ａｇｅｎｔｓ
               Ｅｎｒｏｌｌｅｄ               ａｇｅｎｔｓ               ｍｕｓｔ               ｐａｓｓ               ａ               ｔａｘ               ｅｘａｍ               ｇｉｖｅｎ               ｂｙ               ｔｈｅ               ＩＲＳ               ａｎｄ               ａｒｅ               ａｕｔｈｏｒｉｚｅｄ               ｔｏ               ｒｅｐｒｅｓｅｎｔ               ｙｏｕ               ｂｅｆｏｒｅ               ｔｈｅ               ＩＲＳ               ａｎｄ               ｉｎ               ｔａｘ               ｃｏｕｒｔ.

Ｔｈｅｙ               ｍａｙ               ｂｅ               ｆｏｒｍｅｒ               ＩＲＳ               ａｇｅｎｔｓ               ｗｈｏ               ａｒｅ               ｑｕａｌｉｆｉｅｄ               ａｓ               ｅｎｒｏｌｌｅｄ               ａｇｅｎｔｓ               ｂａｓｅｄ               ｏｎ               ｔｈｅｉｒ               ｐａｓｔ               ｓｅｒｖｉｃｅ               ａｎｄ               ｔｅｃｈｎｉｃａｌ               ｅｘｐｅｒｉｅｎｃｅ.
               Ｗｈａｔ               ｔｏ               Ｌｏｏｋ               ｆｏｒ               ｉｎ               ａ               Ｔａｘ               Ｐｒｅｐａｒｅｒ
               Ｉｆ               ｙｏｕ               ｈａｖｅ               ｂｅｅｎ               ｕｓｉｎｇ               ｔｈｅ               ｓａｍｅ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｆｏｒ               ｍａｎｙ               ｙｅａｒｓ,               ａｒｅ               ｓａｔｉｓｆｉｅｄ               ｗｉｔｈ               ｔｈｅ               ｓｅｒｖｉｃｅ               ｔｈｅ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｈａｓ               ｐｒｏｖｉｄｅｄ               ｉｎ               ｔｈｅ               ｐａｓｔ,               ｙｏｕ               ｈａｖｅ               ｎｅｖｅｒ               ｒｅｃｅｉｖｅｄ               ａ               ｎｏｔｉｃｅ               ｆｒｏｍ               ｔｈｅ               ＩＲＳ               ｏｒ               ｂｅｅｎ               ａｕｄｉｔｅｄ,               ａｎｄ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｉｓ               ｂａｓｉｃａｌｌｙ               ｔｈｅ               ｓａｍｅ               ｙｅａｒ               ａｆｔｅｒ               ｙｅａｒ,               ｙｏｕ               ａｒｅ               ｐｒｏｂａｂｌｙ               ｆｉｎｅ               ｔｏ               ｃｏｎｔｉｎｕｅ               ｗｉｔｈ               ｔｈｅ               ｓａｍｅ               ｐｒｅｐａｒｅｒ.

Ｔｈａｔ               ｐｅｒｓｏｎ               ｋｎｏｗｓ               ｙｏｕｒ               ｓｉｔｕａｔｉｏｎ,               ｋｅｅｐｓ               ｕｐ-ｔｏ-ｄａｔｅ               ｏｎ               ｃｈａｎｇｅｓ               ｉｎ               ｔｈｅ               ｔａｘ               ｃｏｄｅ,               ａｎｄ               ｗｉｌｌ               ｂｅ               ａｂｌｅ               ｔｏ               ｈａｎｄｌｅ               ｙｏｕｒ               ｎｅｅｄｓ.
               Ｉｆ               ｆｏｒ               ｗｈａｔｅｖｅｒ               ｒｅａｓｏｎ               ｙｏｕ               ａｒｅ               ｎｏｔ               ｓａｔｉｓｆｉｅｄ               ｗｉｔｈ               ｔｈｅ               ｓｅｒｖｉｃｅ               ｙｏｕ               ｒｅｃｅｉｖｅｄ               ｌａｓｔ               ｙｅａｒ,               ｙｏｕ               ｍｏｖｅ               ｔｏ               ａ               ｎｅｗ               ａｒｅａ,               ｏｒ               ｙｏｕｒ               ｔａｘ               ｓｉｔｕａｔｉｏｎ               ｈａｓ               ｃｈａｎｇｅｄ               ｃｏｎｓｉｄｅｒａｂｌｙ,               ｙｏｕ               ｍａｙ               ｎｅｅｄ               ｔｏ               ｌｏｏｋ               ｆｏｒ               ａ               ｎｅｗ               ｐｒｅｐａｒｅｒ.

Ｈｏｗ               ｙｏｕ               ｓｅｌｅｃｔ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｗｉｌｌ               ｄｅｐｅｎｄ               ｏｎ               ｙｏｕｒ               ｐａｒｔｉｃｕｌａｒ               ｎｅｅｄｓ,               ｔａｋｉｎｇ               ｃｏｓｔ               ｉｎｔｏ               ｃｏｎｓｉｄｅｒａｔｉｏｎ.
               Ｙｏｕｒ               Ｎｅｅｄｓ
               Ｔｈｅ               ｍｏｒｅ               ｃｏｍｐｌｉｃａｔｅｄ               ｙｏｕｒ               ｔａｘ               ｓｉｔｕａｔｉｏｎ,               ｔｈｅ               ｍｏｒｅ               ｅｘｐｅｒｔｉｓｅ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｌｏｏｋ               ｆｏｒ.

Ｉｆ               ｉｎ               ａｄｄｉｔｉｏｎ               ｔｏ               ｈａｖｉｎｇ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ               ｐｒｅｐａｒｅｄ,               ｙｏｕ               ａｒｅ               ａｌｓｏ               ｌｏｏｋｉｎｇ               ｆｏｒ               ｔａｘ               ａｄｖｉｃｅ,               ｏｒ               ｔａｘ               ｐｌａｎｎｉｎｇ,               ｙｏｕ               ｗｉｌｌ               ｎｅｅｄ               ｔｏ               ｆｉｎｄ               ａ               ｐｅｒｓｏｎ               ｑｕａｌｉｆｉｅｄ               ｔｏ               ｐｒｏｖｉｄｅ               ｔｈａｔ               ｓｅｒｖｉｃｅ.

Ｙｏｕ               ｍａｙ               ｈａｖｅ               ｔｏ               ｆｉｌｅ               ｓｔａｔｅ               ａｎｄ               ｌｏｃａｌ               ｔａｘ               ｒｅｔｕｒｎｓ               ａｓ               ｗｅｌｌ               ａｓ               ａ               ｆｅｄｅｒａｌ               ｔａｘ               ｒｅｔｕｒｎ,               ａｎｄ               ｔｈｅ               ｐｅｒｓｏｎ               ｙｏｕ               ｃｈｏｏｓｅ               ｓｈｏｕｌｄ               ｂｅ               ｋｎｏｗｌｅｄｇｅａｂｌｅ               ｉｎ               ｐｒｅｐａｒｉｎｇ               ａｌｌ               ａｐｐｌｉｃａｂｌｅ               ｒｅｔｕｒｎｓ.
               Ｉｆ               ｙｏｕ               ｈａｖｅ               ｂｅｅｎ               ａｕｄｉｔｅｄ               ｉｎ               ｔｈｅ               ｐａｓｔ,               ｏｒ               ｈａｄ               ｓｏｍｅ               ｐｒｏｂｌｅｍ               ｔｈａｔ               ｎｅｅｄｅｄ               ｔｏ               ｂｅ               ｒｅｓｏｌｖｅｄ               ｗｉｔｈ               ｔｈｅ               ＩＲＳ,               ｙｏｕ               ｍａｙ               ｗａｎｔ               ｔｏ               ｃｈｏｏｓｅ               ａ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｉｓ               ａｕｔｈｏｒｉｚｅｄ               ｔｏ               ｒｅｐｒｅｓｅｎｔ               ｙｏｕ               ｂｅｆｏｒｅ               ｔｈｅ               ＩＲＳ,               ｓｈｏｕｌｄ               ｔｈａｔ               ｂｅ               ｎｅｃｅｓｓａｒｙ.

Ｔｈｉｓ               ｗｉｌｌ               ｂｅ               ａ               ＣＰＡ,               ａｔｔｏｒｎｅｙ,               ｏｒ               ｅｎｒｏｌｌｅｄ               ＩＲＳ               ａｇｅｎｔ.
               Ｉｆ               ｙｏｕ               ｈａｖｅ               ａｌｌ               ｙｏｕｒ               ｆｉｎａｎｃｉａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｎ               ｇｏｏｄ               ｏｒｄｅｒ,               ｙｏｕ               ｍａｙ               ｊｕｓｔ               ｎｅｅｄ               ａ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｋｎｏｗｓ               ｈｏｗ               ｔｏ               ｐｕｔ               ｔｈａｔ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｎｔｏ               ｙｏｕｒ               ｒｅｔｕｒｎ.

Ｏｎ               ｔｈｅ               ｃｏｎｔｒａｒｙ,               ｉｆ               ｙｏｕ               ｈａｖｅ               ａ               ｂｕｓｉｎｅｓｓ,               ｆｏｒ               ｅｘａｍｐｌｅ,               ａｎｄ               ｎｅｅｄ               ｓｏｍｅｏｎｅ               ｔｏ               ｇｏ               ｔｈｒｏｕｇｈ               ｙｏｕｒ               ｒｅｃｏｒｄｓ               ａｎｄ               ｄｏ               ｔｈｅ               ｐｒｅｌｉｍｉｎａｒｙ               ａｃｃｏｕｎｔｉｎｇ               ｗｏｒｋ               ｎｅｃｅｓｓａｒｙ               ｔｏ               ｂｅ               ａｂｌｅ               ｔｏ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｒｅｔｕｒｎ,               ｙｏｕ               ｍａｙ               ｗａｎｔ               ｔｏ               ｕｓｅ               ａ               ＣＰＡ               ｏｒ               ｑｕａｌｉｆｉｅｄ               ａｃｃｏｕｎｔａｎｔ.
               Ｃｏｓｔ
               Ｍｏｓｔ               ｔａｘ               ｐｒｅｐａｒｅｒｓ               ｗｉｌｌ               ｃｈａｒｇｅ               ｏｎ               ａｎ               ｈｏｕｒｌｙ               ｂａｓｉｓ               ｏｒ               ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               ｆｏｒｍｓ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｆｉｌｅ.

Ｔｈｅ               ｍｏｒｅ               ｓｃｈｅｄｕｌｅｓ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ               ｉｎｖｏｌｖｅｓ,               ｔｈｅ               ｈｉｇｈｅｒ               ｔｈｅ               ｃｏｓｔ               ｗｉｌｌ               ｂｅ.

Ｃｏｓｔ               ｉｓ               ａｌｓｏ               ａｓｓｏｃｉａｔｅｄ               ｗｉｔｈ               ｔｈｅ               ｌｅｖｅｌ               ｏｆ               ｅｘｐｅｒｔｉｓｅ.

Ａ               ｍｏｒｅ               ｅｘｐｅｒｉｅｎｃｅｄ               ｔａｘ               ｐｒｅｐａｒｅｒ,               ｗｉｔｈ               ａ               ｈｉｇｈｅｒ               ｌｅｖｅｌ               ｏｆ               ｑｕａｌｉｆｉｃａｔｉｏｎｓ,               ｗｉｌｌ               ｇｅｎｅｒａｌｌｙ               ｃｈａｒｇｅ               ｍｏｒｅ.

Ｉｆ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｉｓ               ｆａｉｒｌｙ               ｓｉｍｐｌｅ,               ｙｏｕ               ｐｒｏｂａｂｌｙ               ｄｏｎ'ｔ               ｎｅｅｄ               ａ               ｈｉｇｈｅｒ               ｐｒｉｃｅｄ               ＣＰＡ               ｏｒ               ｔａｘ               ａｔｔｏｒｎｅｙ               ｔｏ               ｄｏ               ｙｏｕｒ               ｒｅｔｕｒｎ.

Ｂｕｔ               ｏｎ               ｔｈｅ               ｃｏｎｔｒａｒｙ,               ｉｆ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｉｓ               ｃｏｍｐｌｅｘ,               ｙｏｕ               ｗａｎｔ               ｔｏ               ｍａｋｅ               ｓｕｒｅ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｉｓ               ｋｎｏｗｌｅｄｇｅａｂｌｅ               ａｎｄ               ｑｕａｌｉｆｉｅｄ.

Ｙｏｕ               ｓｈｏｕｌｄ               ｂｅ               ｐｒｅｐａｒｅｄ               ｔｏ               ｐａｙ               ｆｏｒ               ｔｈｅ               ｓｅｒｖｉｃｅ               ｙｏｕ               ｒｅｑｕｉｒｅ,               ｂｕｔ               ｓｈｏｕｌｄ               ｎｏｔ               ｐａｙ               ｆｏｒ               ｍｏｒｅ               ｔｈａｎ               ｗｈａｔ               ｙｏｕ               ｎｅｅｄ.
               Ｑｕｅｓｔｉｏｎｓ               ｔｏ               Ａｓｋ
               Ｙｏｕｒ               ｐｒｉｍａｒｙ               ｃｏｎｃｅｒｎ               ｓｈｏｕｌｄ               ｂｅ               ｔｏ               ｆｉｎｄ               ａ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｋｎｏｗｓ               ｔａｘｅｓ,               ｉｓ               ｕｐ-ｔｏ-ｄａｔｅ               ｏｎ               ｔｈｅ               ｌａｔｅｓｔ               ｃｈａｎｇｅｓ               ｉｎ               ｔａｘ               ｌａｗｓ,               ａｎｄ               ｗｈｏ               ｉｓ               ｋｎｏｗｌｅｄｇｅａｂｌｅ               ａｎｄ               ｅｘｐｅｒｉｅｎｃｅｄ               ｉｎ               ｙｏｕｒ               ｐａｒｔｉｃｕｌａｒ               ｎｅｅｄｓ.

Ｙｏｕ               ｓｈｏｕｌｄ               ａｓｋ               ａｂｏｕｔ               ｔｈｅ               ｐｒｅｐａｒｅｒ'ｓ               ｏｖｅｒａｌｌ               ｅｘｐｅｒｉｅｎｃｅ,               ａｎｄ               ａｂｏｕｔ               ｅｘｐｅｒｉｅｎｃｅ               ｉｎ               ｔｈｅ               ａｒｅａ               ｔｈａｔ               ｃｏｎｃｅｒｎｓ               ｙｏｕ,               ｗｈｅｔｈｅｒ               ｉｔ               ｉｎｖｏｌｖｅｓ               ｉｔｅｍｉｚｅｄ               ｄｅｄｕｃｔｉｏｎｓ,               ｃａｐｉｔａｌ               ｇａｉｎｓ,               ｉｎｃｏｍｅ               ａｎｄ               ｅｘｐｅｎｓｅｓ               ｆｒｏｍ               ｒｅｎｔａｌ               ｐｒｏｐｅｒｔｉｅｓ,               ｉｎｃｏｍｅ               ｆｒｏｍ               ｓｅｌｆ-ｅｍｐｌｏｙｍｅｎｔ               ｏｒ               ａ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓ,               ｏｒ               ａｎｙ               ｏｔｈｅｒ               ａｒｅａ.
               Ｉｆ               ｙｏｕ               ａｒｅ               ｓｕｂｊｅｃｔ               ｔｏ               ｆｉｌｉｎｇ               ａ               ｓｔａｔｅ               ｏｒ               ｌｏｃａｌ               ｉｎｃｏｍｅ               ｔａｘ               ｒｅｔｕｒｎ,               ｙｏｕ               ｓｈｏｕｌｄ               ａｓｋ               ｗｈｅｔｈｅｒ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｉｓ               ｋｎｏｗｌｅｄｇｅａｂｌｅ               ａｂｏｕｔ               ｔｈｏｓｅ               ｆｉｌｉｎｇ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ａｎｄ               ｈａｓ               ｅｘｐｅｒｉｅｎｃｅ               ｉｎ               ｆｉｌｉｎｇ               ｓｔａｔｅ               ａｎｄ               ｌｏｃａｌ               ｒｅｔｕｒｎｓ.

Ｙｏｕ               ｍａｙ               ｈａｖｅ               ｗｏｒｋｅｄ               ｉｎ               ｍｏｒｅ               ｔｈａｎ               ｏｎｅ               ｓｔａｔｅ               ｄｕｒｉｎｇ               ｔｈｅ               ｙｅａｒ,               ｏｒ               ｈａｖｅ               ｔａｘａｂｌｅ               ｉｎｃｏｍｅ               ｆｒｏｍ               ｍｏｒｅ               ｔｈａｎ               ｏｎｅ               ｓｔａｔｅ,               ａｎｄ               ｔｈｅ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｙｏｕ               ｃｈｏｏｓｅ               ｓｈｏｕｌｄ               ｂｅ               ａｂｌｅ               ｔｏ               ｐｒｅｐａｒｅ               ａｌｌ               ｔｈｅ               ｓｔａｔｅ               ａｎｄ               ｌｏｃａｌ               ｔａｘ               ｒｅｔｕｒｎｓ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｆｉｌｅ.
               Ｙｏｕ               ｃｏｕｌｄ               ａｓｋ               ｗｈｏ               ｗｉｌｌ               ａｃｔｕａｌｌｙ               ｂｅ               ｐｒｅｐａｒｉｎｇ               ｙｏｕｒ               ｒｅｔｕｒｎ,               ａｎｄ               ｗｈａｔ               ｑｕａｌｉｆｉｃａｔｉｏｎｓ               ｔｈａｔ               ｐｅｒｓｏｎ               ｈａｓ.

Ｙｏｕ               ｍｉｇｈｔ               ａｓｋ               ａｂｏｕｔ               ｔｈｅ               ｔａｘ               ｆｉｒｍ'ｓ               ｔｒａｉｎｉｎｇ               ｐｒｏｇｒａｍ               ａｎｄ               ｈｏｗ               ｔｈｅｙ               ｋｅｅｐ               ｕｐ               ｔｏ               ｄａｔｅ               ｏｎ               ｔｈｅ               ｌａｔｅｓｔ               ｃｈａｎｇｅｓ               ａｎｄ               ｍｏｄｉｆｉｃａｔｉｏｎｓ               ｏｆ               ｔｈｅ               ｔａｘ               ｌａｗｓ.

Ｙｏｕ               ｃｏｕｌｄ               ａｓｋ               ｈｏｗ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｗｉｌｌ               ｂｅ               ｒｅｖｉｅｗｅｄ,               ａｎｄ               ｗｈｏ               ｗｉｌｌ               ｒｅｖｉｅｗ               ｉｔ.
               Ｉｆ               ｙｏｕ               ｆｅｅｌ               ｙｏｕ               ｍａｙ               ｎｅｅｄ               ｒｅｐｒｅｓｅｎｔａｔｉｏｎ,               ｙｏｕ               ｓｈｏｕｌｄ               ａｓｋ               ｗｈｅｔｈｅｒ               ｔｈｅ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｏｒ               ｓｏｍｅｏｎｅ               ｉｎ               ｔｈｅ               ｆｉｒｍ               ｉｓ               ａｕｔｈｏｒｉｚｅｄ               ｔｏ               ｒｅｐｒｅｓｅｎｔ               ｙｏｕ               ｂｅｆｏｒｅ               ｔｈｅ               ＩＲＳ,               ａｎｄ               ｗｈａｔ               ｅｘｐｅｒｉｅｎｃｅ               ｔｈｅｙ               ｈａｖｅ               ｉｎ               ｒｅｐｒｅｓｅｎｔｉｎｇ               ｔａｘｐａｙｅｒｓ.
               Ｉｆ               ｙｏｕ               ａｒｅ               ｌｏｏｋｉｎｇ               ｆｏｒ               ｔａｘ               ａｄｖｉｃｅ               ｏｒ               ｔａｘ               ｐｌａｎｎｉｎｇ,               ｉｎ               ａｄｄｉｔｉｏｎ               ｔｏ               ｔｈｅ               ｐｒｅｐａｒａｔｉｏｎ               ｏｆ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ,               ａｓｋ               ｗｈｅｔｈｅｒ               ｔｈｅ               ｔａｘ               ｆｉｒｍ               ｏｆｆｅｒｓ               ｔｈｉｓ               ｓｅｒｖｉｃｅ               ａｎｄ               ｉｎｑｕｉｒｅ               ａｂｏｕｔ               ｔｈｅｉｒ               ｅｘｐｅｒｉｅｎｃｅ.
               Ｃｏｎｄｉｔｉｏｎｓ               ｔｏ               Ｓｅｔ
               Ｂｅ               ｓｕｒｅ               ｔｏ               ａｓｋ               ｔｈｅ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｔｏ               ｃａｌｌ               ｙｏｕ               ｉｆ               ｔｈｅｒｅ               ａｒｅ               ａｎｙ               ｑｕｅｓｔｉｏｎｓ               ｏｒ               ｉｆ               ａｄｄｉｔｉｏｎａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｎｅｅｄｅｄ.

Ｔｈｅ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｓｈｏｕｌｄ               ｎｏｔ               ｍａｋｅ               ａｎｙ               ａｓｓｕｍｐｔｉｏｎｓ               ｏｒ               ｃｏｎｃｌｕｓｉｏｎｓ               ｗｉｔｈｏｕｔ               ｃｏｎｓｕｌｔｉｎｇ               ｙｏｕ.

Ｉｆ               ｔｈｅｒｅ               ａｒｅ               ａｎｙ               ｅｌｅｃｔｉｏｎｓ               ｔｏ               ｂｅ               ｍａｄｅ               ｒｅｇａｒｄｉｎｇ               ａｃｃｏｕｎｔｉｎｇ               ｍｅｔｈｏｄｓ               ｏｒ               ｔａｘ               ｔｒｅａｔｍｅｎｔｓ,               ｙｏｕｒ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｓｈｏｕｌｄ               ｅｘｐｌａｉｎ               ｙｏｕｒ               ｏｐｔｉｏｎｓ               ａｎｄ               ｔｈｅ               ｃｏｎｓｅｑｕｅｎｃｅｓ,               ｆｏｒ               ｔｈｅ               ｙｅａｒ               ｆｏｒ               ｗｈｉｃｈ               ｔｈｅ               ｒｅｔｕｒｎ               ｉｓ               ｂｅｉｎｇ               ｆｉｌｅｄ               ａｓ               ｗｅｌｌ               ａｓ               ｉｎ               ｆｕｔｕｒｅ               ｙｅａｒｓ.
               Ｂｅ               ｃｌｅａｒ               ａｂｏｕｔ               ｈｏｗ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｉｓ               ｔｏ               ｂｅ               ｆｉｌｅｄ,               ｗｈｅｔｈｅｒ               ｅｌｅｃｔｒｏｎｉｃａｌｌｙ               ｏｒ               ｍａｎｕａｌｌｙ.

Ｉｆ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｉｓ               ｆｉｌｅｄ               ｅｌｅｃｔｒｏｎｉｃａｌｌｙ,               ｙｏｕ               ｓｈｏｕｌｄ               ｃｏｎｔｒｏｌ               ｔｈｅ               ＰＩＮ               ｎｕｍｂｅｒ               ｕｓｅｄ               ｔｏ               ｅｌｅｃｔｒｏｎｉｃａｌｌｙ               ｓｉｇｎ               ｙｏｕｒ               ｒｅｔｕｒｎ.
               Ｅｓｔａｂｌｉｓｈ               ｔｈｅ               ｄａｔｅ               ｏｎ               ｗｈｉｃｈ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｗｉｌｌ               ｂｅ               ｃｏｍｐｌｅｔｅｄ               ａｎｄ               ｒｅａｄｙ               ｔｏ               ｂｅ               ｆｉｌｅｄ.

Ａｓｋ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｔｏ               ｎｏｔｉｆｙ               ｙｏｕ               ｉｆ               ａｎｙ               ｄｅｌａｙｓ               ａｒｅ               ｆｏｒｅｓｅｅｎ.

Ｔｈｅ               ｃｌｏｓｅｒ               ｙｏｕ               ｇｅｔ               ｔｏ               ｔｈｅ               ｔａｘ               ｆｉｌｉｎｇ               ｄｅａｄｌｉｎｅ,               ｔａｘ               ｐｒｅｐａｒｅｒｓ               ｍａｙ               ｂｅ               ｖｅｒｙ               ｂｕｓｙ.

Ｉｆ               ｉｔ               ｂｅｃｏｍｅｓ               ｎｅｃｅｓｓａｒｙ               ｔｏ               ｆｉｌｅ               ａ               ｒｅｑｕｅｓｔ               ｆｏｒ               ａｎ               ｅｘｔｅｎｓｉｏｎ               ｏｆ               ｔｉｍｅ               ｔｏ               ｆｉｌｅ,               ｂｅ               ｓｕｒｅ               ｙｏｕ               ｋｎｏｗ               ｗｉｔｈ               ｓｕｆｆｉｃｉｅｎｔ               ａｄｖａｎｃｅ               ｎｏｔｉｃｅ.
               Ｂｅ               ｓｕｒｅ               ｔｏ               ｈａｖｅ               ａ               ｃｏｎｔａｃｔ               ｙｏｕ               ｃａｎ               ｃａｌｌ               ａｆｔｅｒ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｈａｓ               ｂｅｅｎ               ｆｉｌｅｄ.

Ｉｆ               ｙｏｕ               ｒｅｃｅｉｖｅ               ａ               ｎｏｔｉｃｅ               ｆｒｏｍ               ｔｈｅ               ＩＲＳ,               ｙｏｕ               ｍａｙ               ｎｅｅｄ               ｔｏ               ａｓｋ               ｑｕｅｓｔｉｏｎｓ               ａｂｏｕｔ               ｈｏｗ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｗａｓ               ｐｒｅｐａｒｅｄ               ａｎｄ               ｈｏｗ               ｃｅｒｔａｉｎ               ｆｉｇｕｒｅｓ               ｏｎ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｗｅｒｅ               ｃａｌｃｕｌａｔｅｄ.

Ｉｎ               ｔｈｅ               ｅｖｅｎｔ               ｏｆ               ａｎ               ＩＲＳ               ａｕｄｉｔ,               ｙｏｕ               ｍａｙ               ａｌｓｏ               ｗａｎｔ               ｓｏｍｅｏｎｅ               ｆｒｏｍ               ｔｈｅ               ｔａｘ               ｆｉｒｍ               ｔｏ               ｒｅｐｒｅｓｅｎｔ               ｙｏｕ.
               Ｗｈａｔ               ｔｏ               Ｗａｔｃｈ               Ｏｕｔ               Ｆｏｒ
               Ｙｏｕ               ｓｈｏｕｌｄ               ｓｅｌｅｃｔ               ａ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ａｂｏｖｅ-ｍｅｎｔｉｏｎｅｄ               ｃｒｉｔｅｒｉａ,               ｔａｋｉｎｇ               ｉｎｔｏ               ａｃｃｏｕｎｔ               ｙｏｕｒ               ｐａｒｔｉｃｕｌａｒ               ｎｅｅｄｓ,               ｂｕｔ               ｔｈｅｒｅ               ａｒｅ               ｃｅｒｔａｉｎ               ｔｈｉｎｇｓ               ｙｏｕ               ｓｈｏｕｌｄ               ｇｅｎｅｒａｌｌｙ               ｗａｔｃｈ               ｏｕｔ               ｆｏｒ.
               Ｇｕａｒａｎｔｅｅｄ               Ｒｅｆｕｎｄ
               Ｙｏｕ               ｓｈｏｕｌｄ               ｂｅ               ｗａｒｙ               ｏｆ               ａ               ｔａｘ               ｒｅｔｕｒｎ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｇｕａｒａｎｔｅｅｓ               ｙｏｕ               ａ               ｒｅｆｕｎｄ               ｂｅｆｏｒｅ               ｌｏｏｋｉｎｇ               ａｔ               ｙｏｕｒ               ｉｎｆｏｒｍａｔｉｏｎ.

Ｔｏ               ｐｒｏｐｅｒｌｙ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｗｉｌｌ               ｎｅｅｄ               ｔｏ               ｓｅｅ               ｙｏｕｒ               Ｗ-2               ｆｏｒｍｓ,               1099               ａｎｄ               1098               ｆｏｒｍｓ,               ａｎｄ               ａｌｌ               ｏｔｈｅｒ               ｄｏｃｕｍｅｎｔａｔｉｏｎ               ｏｆ               ｙｏｕｒ               ｉｎｃｏｍｅ               ａｎｄ               ｅｘｐｅｎｓｅｓ.

Ｔｈｅ               ｐｒｅｐａｒｅｒ               ｓｈｏｕｌｄ               ａｌｓｏ               ａｓｋ               ｙｏｕ               ａ               ｓｅｒｉｅｓ               ｏｆ               ｑｕｅｓｔｉｏｎｓ               ｔｏ               ｅｎｓｕｒｅ               ｔｈａｔ               ｈｅ               ｏｒ               ｓｈｅ               ｈａｓ               ａｌｌ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｎｅｃｅｓｓａｒｙ,               ａｎｄ               ｈａｓ               ｔａｋｅｎ               ｉｎｔｏ               ｃｏｎｓｉｄｅｒａｔｉｏｎ               ａｌｌ               ｔｈｅ               ｆａｃｔｓ               ｔｈａｔ               ａｆｆｅｃｔ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ.

Ｉｆ               ｔｈｉｓ               ｉｓ               ｔｈｅ               ｆｉｒｓｔ               ｙｅａｒ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｄｏｅｓ               ｙｏｕｒ               ｒｅｔｕｒｎ,               ｙｏｕ               ｗｉｌｌ               ｐｒｏｂａｂｌｙ               ｂｅ               ａｓｋｅｄ               ｆｏｒ               ａ               ｃｏｐｙ               ｏｆ               ｌａｓｔ               ｙｅａｒ'ｓ               ｒｅｔｕｒｎ.

Ｂｕｔ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｓｈｏｕｌｄ               ｎｏｔ               ｒｅｌｙ               ｓｏｌｅｌｙ               ｏｎ               ｗｈａｔ               ｙｏｕ               ｒｅｐｏｒｔｅｄ               ｌａｓｔ               ｙｅａｒ,               ａｎｄ               ｓｈｏｕｌｄ               ａｓｋ               ｙｏｕ               ｔｈｅ               ｎｅｃｅｓｓａｒｙ               ｑｕｅｓｔｉｏｎｓ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ｗｈａｔ               ｈａｓ               ｃｈａｎｇｅｄ               ｉｎ               ｙｏｕｒ               ｔａｘ               ｓｉｔｕａｔｉｏｎ               ｆｏｒ               ｔｈｉｓ               ｙｅａｒ.
               Ｏｂｔａｉｎｉｎｇ               ａ               Ｌａｒｇｅｒ               Ｒｅｆｕｎｄ               ｔｈａｎ               Ｙｏｕ               Ｃｏｕｌｄ               ｗｉｔｈ               Ｏｔｈｅｒ               Ｐｒｅｐａｒｅｒｓ
               Ｔｈｅ               ｔａｘ               ｌａｗｓ               ａｒｅ               ｔｈｅ               ｓａｍｅ               ｆｏｒ               ｅｖｅｒｙｏｎｅ,               ａｎｄ               ａｌｌ               ｐｒｅｐａｒｅｒｓ               ｓｈｏｕｌｄ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ｓａｍｅ               ｌａｗｓ               ａｎｄ               ｔｈｅ               ｓａｍｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｙｏｕ               ｐｒｏｖｉｄｅ.

Ｙｏｕ               ｓｈｏｕｌｄ               ｑｕｅｓｔｉｏｎ               ａ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｃｌａｉｍｓ               ｔｏ               ｂｅ               ａｂｌｅ               ｔｏ               ｏｂｔａｉｎ               ａ               ｂｉｇｇｅｒ               ｒｅｆｕｎｄ               ｔｈａｎ               ｏｔｈｅｒ               ｐｒｅｐａｒｅｒｓ               ｃａｎ.

Ｎｅｖｅｒｔｈｅｌｅｓｓ,               ｉｔ               ｍａｙ               ｂｅ               ｔｒｕｅ               ｔｈａｔ               ｓｏｍｅ               ｐｒｅｐａｒｅｒｓ               ａｒｅ               ｍｏｒｅ               ｔｈｏｒｏｕｇｈ               ｉｎ               ａｓｋｉｎｇ               ｔｈｅ               ｎｅｃｅｓｓａｒｙ               ｑｕｅｓｔｉｏｎｓ               ａｎｄ               ｒｅｑｕｅｓｔｉｎｇ               ｔｈｅ               ｒｉｇｈｔ               ｓｕｐｐｏｒｔｉｎｇ               ｄｏｃｕｍｅｎｔａｔｉｏｎ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｏｂｔａｉｎ               ａｌｌ               ｐｏｓｓｉｂｌｅ               ｄｅｄｕｃｔｉｏｎｓ               ａｎｄ               ｃｒｅｄｉｔｓ.

Ａ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｉｓ               ｎｏｔ               ａｓ               ｔｈｏｒｏｕｇｈ,               ｏｒ               ｗｈｏ               ｉｓ               ｎｏｔ               ａｓ               ｋｎｏｗｌｅｄｇｅａｂｌｅ               ｏｒ               ｕｐ-ｔｏ-ｄａｔｅ               ｏｎ               ｔｈｅ               ｌａｔｅｓｔ               ｃｈａｎｇｅｓ               ｉｎ               ｔａｘ               ｌａｗｓ               ｍａｙ               ｏｖｅｒｌｏｏｋ               ｃｅｒｔａｉｎ               ｄｅｄｕｃｔｉｏｎｓ               ｏｒ               ｃｒｅｄｉｔｓ               ｆｏｒ               ｗｈｉｃｈ               ｙｏｕ               ｑｕａｌｉｆｙ.
               Ｃｏｎｔｉｎｇｅｎｔ               Ｆｅｅｓ
               Ｔｈｅ               ｆｅｅ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｃｈａｒｇｅｓ               ｓｈｏｕｌｄ               ｂｅ               ａ               ｓｔａｎｄａｒｄ               ｆｅｅ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ｆｏｒｍｓ               ａｎｄ               ｓｃｈｅｄｕｌｅｓ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｆｉｌｅ,               ａｎｄ               ｐｅｒｈａｐｓ               ａｎ               ｈｏｕｒｌｙ               ｆｅｅ               ｉｆ               ａｄｄｉｔｉｏｎａｌ               ａｃｃｏｕｎｔｉｎｇ               ｗｏｒｋ               ｉｓ               ｎｅｅｄｅｄ               ｔｏ               ａｓｓｅｍｂｌｅ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ.

Ｙｏｕ               ｓｈｏｕｌｄ               ｂｅ               ｗａｒｙ               ｏｆ               ａ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｃｈａｒｇｅｓ               ａ               ｆｅｅ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               ｔｈｅ               ｒｅｆｕｎｄ               ｙｏｕ               ｗｉｌｌ               ｏｂｔａｉｎ,               ｏｒ               ｗｈｏ               ａｇｒｅｅｓ               ｔｏ               ｓｈａｒｅ               ｉｎ               ａｎｙ               ａｄｄｉｔｉｏｎａｌ               ｒｅｆｕｎｄ.

Ｔｈｉｓ               ｃａｎ               ｌｅａｄ               ｔｏ               ｑｕｅｓｔｉｏｎａｂｌｅ               ｐｒａｃｔｉｃｅｓ               ａｎｄ               ａｇｇｒｅｓｓｉｖｅ               ｉｎｔｅｒｐｒｅｔａｔｉｏｎｓ               ｏｆ               ｔｈｅ               ｔａｘ               ｌａｗ               ｏｒ               ｔａｘ               ｔｒｅａｔｍｅｎｔｓ               ｔｈａｔ               ｃｏｕｌｄ               ｃａｕｓｅ               ｙｏｕ               ｐｒｏｂｌｅｍｓ.
               Ｎｏｔ               Ｒｅｑｕｅｓｔｉｎｇ               Ｄｏｃｕｍｅｎｔａｔｉｏｎ               ｏｒ               Ａｓｋｉｎｇ               Ｑｕｅｓｔｉｏｎｓ
               Ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ               ｍｕｓｔ               ｂｅ               ｐｒｅｐａｒｅｄ               ｂａｓｅｄ               ｏｎ               ｆａｃｔｕａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ａｎｄ               ｄｏｃｕｍｅｎｔａｔｉｏｎ.

Ａ               ｔａｘ               ｒｅｔｕｒｎ               ｐｒｅｐａｒｅｒ               ｓｈｏｕｌｄ               ｒｅｑｕｅｓｔ               ａｌｌ               ｙｏｕｒ               Ｗ-2'ｓ,               1099               ａｎｄ               1098               ｆｏｒｍｓ,               ｒｅｃｅｉｐｔｓ               ａｎｄ               ｄｏｃｕｍｅｎｔａｔｉｏｎ               ｏｆ               ｙｏｕｒ               ｔａｘ-ｄｅｄｕｃｔｉｂｌｅ               ｅｘｐｅｎｓｅｓ,               ａｎｄ               ｓｈｏｕｌｄ               ａｓｋ               ｙｏｕ               ｑｕｅｓｔｉｏｎｓ.

Ｔｈｅ               ｐｒｅｐａｒｅｒ               ａｓｋｓ               ｔｈｅｓｅ               ｑｕｅｓｔｉｏｎｓ               ｗｉｔｈ               ｙｏｕｒ               ｂｅｓｔ               ｉｎｔｅｒｅｓｔｓ               ｉｎ               ｍｉｎｄ,               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｃｌａｉｍ               ａｌｌ               ｔｈｅ               ｄｅｄｕｃｔｉｏｎｓ               ａｎｄ               ｃｒｅｄｉｔｓ               ｆｏｒ               ｗｈｉｃｈ               ｙｏｕ               ｑｕａｌｉｆｙ,               ａｎｄ               ｔｏ               ｒｅｐｏｒｔ               ａｌｌ               ｙｏｕｒ               ｉｎｃｏｍｅ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ａｖｏｉｄ               ａｎｙ               ｓｕｂｓｅｑｕｅｎｔ               ｐｅｎａｌｔｉｅｓ,               ｉｎｔｅｒｅｓｔ,               ａｄｄｉｔｉｏｎａｌ               ｔａｘｅｓ,               ｏｒ               ｏｔｈｅｒ               ｐｒｏｂｌｅｍｓ               ｗｉｔｈ               ｔｈｅ               ＩＲＳ.

Ｂｅ               ｗａｒｙ               ｏｆ               ａ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｏｆｆｅｒｓ               ｔｏ               ｄｏ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｗｉｔｈｏｕｔ               ｔｈｉｓ               ｄｏｃｕｍｅｎｔａｔｉｏｎ,               ｏｒ               ｗｉｔｈｏｕｔ               ａｓｋｉｎｇ               ｙｏｕ               ｑｕｅｓｔｉｏｎｓ.

Ａｎｄ               ｎｅｖｅｒ               ｓｉｇｎ               ａ               ｂｌａｎｋ               ｔａｘ               ｒｅｔｕｒｎ               ｆｏｒｍ.
               Ｍａｋｉｎｇ               Ｕｐ               Ｓｕｐｐｏｒｔｉｎｇ               Ｄｏｃｕｍｅｎｔｓ               ｏｒ               Ａｇｇｒｅｓｓｉｖｅ               Ｔａｘ               Ａｐｐｒｏａｃｈｅｓ
               Ｔｈｅ               ｔａｘ               ｐｒｅｐａｒｅｒ               ｓｈｏｕｌｄ               ｎｏｔ               ｏｆｆｅｒ               ｔｏ               ｍａｋｅ               ｕｐ               ｄｏｃｕｍｅｎｔｓ               ｔｏ               ｓｕｐｐｏｒｔ               ｙｏｕｒ               ｔａｘ               ｒｅｔｕｒｎ.

Ｙｏｕｒ               ｒｅｔｕｒｎ               ｍｕｓｔ               ｂｅ               ｐｒｅｐａｒｅｄ               ｂａｓｅｄ               ｏｎ               ｏｂｊｅｃｔｉｖｅ,               ｔｈｉｒｄ-ｐａｒｔｙ               ｓｔａｔｅｍｅｎｔｓ               ａｎｄ               ｖｅｒｉｆｉａｂｌｅ               ｄａｔａ.

Ｙｏｕ               ｓｈｏｕｌｄ               ｂｅ               ｗａｒｙ               ｏｆ               ａ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｃｌａｉｍｓ               ｔｏ               ｔａｋｅ               ａｎ               ａｇｇｒｅｓｓｉｖｅ               ａｐｐｒｏａｃｈ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｇｅｔ               ｙｏｕ               ａ               ｂｉｇｇｅｒ               ｒｅｆｕｎｄ               ｏｒ               ｒｅｄｕｃｅ               ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               ｔａｘ               ｙｏｕ               ｏｗｅ.

Ａｎ               ａｇｇｒｅｓｓｉｖｅ               ａｐｐｒｏａｃｈ               ｃｏｕｌｄ               ｌｅａｄ               ｔｏ               ａｎ               ＩＲＳ               ｒｅｖｉｅｗ               ｏｒ               ａｕｄｉｔ,               ａｎｄ               ｉｆ               ｆｒａｕｄｕｌｅｎｔ               ｐｒａｃｔｉｃｅｓ               ａｒｅ               ｅｎｃｏｕｎｔｅｒｅｄ,               ｔｈｅ               ｐｅｎａｌｔｉｅｓ               ａｒｅ               ｓｅｖｅｒｅ.
               Ｎｏｔ               Ｓｉｇｎｉｎｇ               Ｙｏｕｒ               Ｒｅｔｕｒｎ
               Ａ               ｐａｉｄ               ｐｒｅｐａｒｅｒ               ｍｕｓｔ               ｓｉｇｎ               ｙｏｕｒ               ｒｅｔｕｒｎ.

Ｙｏｕ               ｓｈｏｕｌｄ               ｎｏｔ               ｕｓｅ               ａｎｙ               ｐｒｅｐａｒｅｒ               ｗｈｏ               ｉｓ               ｎｏｔ               ｗｉｌｌｉｎｇ               ｔｏ               ｓｉｇｎ               ｙｏｕｒ               ｒｅｔｕｒｎ               ａｎｄ               ｉｎｄｉｃａｔｅ               ｈｉｓ               ｏｒ               ｈｅｒ               ｓｏｃｉａｌ               ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒ,               ｏｒ               ｅｍｐｌｏｙｅｒ               ｉｄｅｎｔｉｆｉｃａｔｉｏｎ               ｎｕｍｂｅｒ               ｏｎ               ｔｈｅ               ｒｅｔｕｒｎ.

Ｔｈｅ               ｐｒｅｐａｒｅｒ               ｓｈｏｕｌｄ               ａｌｓｏ               ｇｉｖｅ               ｙｏｕ               ａ               ｃｏｐｙ               ｏｆ               ｔｈｅ               ｒｅｔｕｒｎ               ａｎｄ               ｓｈｏｕｌｄ               ｒｅｔｕｒｎ               ａｌｌ               ｔｈｅ               ｏｒｉｇｉｎａｌ               ｄｏｃｕｍｅｎｔａｔｉｏｎ               ｙｏｕ               ｐｒｏｖｉｄｅｄ               ｏｆ               ｙｏｕｒ               ｉｎｃｏｍｅ               ａｎｄ               ｅｘｐｅｎｓｅｓ.

Ｙｏｕ               ｓｈｏｕｌｄ               ｃｌａｒｉｆｙ               ｔｈｉｓ               ｂｅｆｏｒｅ               ａｇｒｅｅｉｎｇ               ｔｏ               ｈａｖｅ               ｙｏｕｒ               ｒｅｔｕｒｎ               ｐｒｅｐａｒｅｄ.
               Ｉｎ               Ｃａｓｅ               ｏｆ               Ｄｏｕｂｔ
               Ｉｆ               ｙｏｕ               ｈａｖｅ               ａｎｙ               ｄｏｕｂｔｓ               ａｂｏｕｔ               ａ               ｔａｘ               ｐｒｅｐａｒｅｒ,               ｙｏｕ               ｃｏｕｌｄ               ｃｈｅｃｋ               ｗｉｔｈ               ｔｈｅ               Ｂｅｔｔｅｒ               Ｂｕｓｉｎｅｓｓ               Ｂｕｒｅａｕ               ｔｏ               ｓｅｅ               ｉｆ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｈａｓ               ａｎｙ               ｑｕｅｓｔｉｏｎａｂｌｅ               ｈｉｓｔｏｒｙ.

Ｉｎ               ｔｈｅ               ｃａｓｅ               ｏｆ               ａ               ＣＰＡ,               ｙｏｕ               ｃａｎ               ｃｈｅｃｋ               ｔｈｅ               ｐｅｒｓｏｎ'ｓ               ｓｔａｔｕｓ               ｗｉｔｈ               ｔｈｅ               ｓｔａｔｅ               ｂｏａｒｄ               ｏｆ               ｐｕｂｌｉｃ               ａｃｃｏｕｎｔａｎｃｙ.

Ｆｏｒ               ａｎ               ａｔｔｏｒｎｅｙ               ｙｏｕ               ｃｏｕｌｄ               ｃｈｅｃｋ               ｗｉｔｈ               ｔｈｅ               ｓｔａｔｅ               ｂａｒ               ａｓｓｏｃｉａｔｉｏｎ.

Ａｎｄ               ｉｎ               ｔｈｅ               ｃａｓｅ               ｏｆ               ｅｎｒｏｌｌｅｄ               ａｇｅｎｔｓ,               ｙｏｕ               ｃｏｕｌｄ               ｃｈｅｃｋ               ｗｉｔｈ               ｔｈｅ               ＩＲＳ               Ｏｆｆｉｃｅ               ｏｆ               Ｐｒｏｆｅｓｓｉｏｎａｌ               Ｒｅｓｐｏｎｓｉｂｉｌｉｔｙ.
               Ｒｅｓｐｏｎｓｉｂｉｌｉｔｙ               
               
               Ｔａｘｐａｙｅｒｓ               ｔｈｅｍｓｅｌｖｅｓ               ａｒｅ               ｕｌｔｉｍａｔｅｌｙ               ｒｅｓｐｏｎｓｉｂｌｅ               ｆｏｒ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｒｅｐｏｒｔｅｄ               ｏｎ               ｔｈｅｉｒ               ｔａｘ               ｒｅｔｕｒｎｓ,               ｒｅｇａｒｄｌｅｓｓ               ｏｆ               ｗｈｏ               ｐｒｅｐａｒｅｄ               ｔｈｅ               ｒｅｔｕｒｎ.

Ｔｈｅ               ｔａｘ               ｒｅｔｕｒｎ               ｐｒｅｐａｒｅｒ               ｃａｎ               ｏｎｌｙ               ｐｒｅｐａｒｅ               ｔｈｅ               ｒｅｔｕｒｎ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｙｏｕ               ｐｒｏｖｉｄｅ,               ａｎｄ               ｉｔ               ｉｓ               ｕｐ               ｔｏ               ｙｏｕ               ｔｏ               ｂｅ               ｓｕｒｅ               ｙｏｕ               ｐｒｏｖｉｄｅ               ａｌｌ               ｎｅｃｅｓｓａｒｙ               ｉｎｆｏｒｍａｔｉｏｎ.

Ｉｆ               ｙｏｕ               ａｒｅ               ｉｎ               ｄｏｕｂｔ               ａｓ               ｔｏ               ｗｈｅｔｈｅｒ               ｓｏｍｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｈａｓ               ａｎ               ｅｆｆｅｃｔ               ｏｎ               ｙｏｕｒ               ｒｅｔｕｒｎ,               ｉｔ               ｉｓ               ｂｅｔｔｅｒ               ｔｏ               ｌｅｔ               ｔｈｅ               ｐｒｅｐａｒｅｒ               ｋｎｏｗ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｍａｋｅ               ｔｈａｔ               ｄｅｔｅｒｍｉｎａｔｉｏｎ.






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    2013년 11월 27일 수요일

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    Ｔｈｉｓ               ａｒｔｉｃｌｅ               ｇｉｖｅｓ               ａ               ｃｏｍｐｒｅｈｅｎｓｉｖｅ               ｈｉｓｔｏｒｉｃａｌ               ｏｖｅｒｖｉｅｗ               ｏｆ               ｔｈｅ               2008               ｆｉｎａｎｃｉａｌ               ｃｏｌｌａｐｓｅ.

    Ｉｔ               ｃｏｍｐａｒｅｓ,               ａｎｄ               ｃｏｎｔｒａｓｔｓ               ｔｈｅ               ｌａｔｅｓｔ               ｃｒｅｄｉｔ,               ａｎｄ               ｓｔｏｃｋ               ｍａｒｋｅｔ               ｃｒｉｓｉｓ,               ｔｏ               ｔｈｅ               Ｓｔｏｃｋ               Ｍａｒｋｅｔ               Ｃｒａｓｈ               ｏｆ               1929,               ａｎｄ               ｔｈｅ               ｓｕｂｓｅｑｕｅｎｔ               Ｇｒｅａｔ               Ｄｅｐｒｅｓｓｉｏｎ.

    Ｙｅｓ,               Ｄｏｎ'ｔ               Ｂｌａｍｅ               Ｐｒｅｓｉｄｅｎｔ               Ｂｕｓｈ,               ａｎｄ               ｔｈｅ               Ｒｅｐｕｂｌｉｃａｎｓ               ｆｏｒ               ｔｈｅ               Ｆｉｎａｎｃｉａｌ               Ｍｅｓｓ.

    Ｉｔ               ｓｅｅｍｓ               ｔｈｅ               ｎｅｗ               ｃａｔｃｈ               ｐｈｒａｓｅ               ｉｎ               ｔｈｅ               2008               ｅｌｅｃｔｉｏｎｓ               ｗａｓ               "Ｗｅ               ｃａｎ'ｔ               ｈａｎｄｌｅ               ａｎｏｔｈｅｒ               4               ｙｅａｒｓ               ｏｆ               ｔｈｅ               ｆａｉｌｅｄ               ｅｃｏｎｏｍｉｃ               ｐｏｌｉｃｉｅｓ               ｏｆ               Ｂｕｓｈ               ｉｎ               ｔｈｅ               Ｗｈｉｔｅ               Ｈｏｕｓｅ."               "Ｃａｎ'ｔ               ｙｏｕ               ｓｅｅ               ｔｈｅ               ｍｅｓｓ               ｗｅ               ａｒｅ               ｉｎ               ｕｎｄｅｒ               ｔｈｅ               Ｒｅｐｕｂｌｉｃａｎｓ!"               Ｔｈｅ               ｅｌｅｃｔｉｏｎ               ｆｒｅｎｚｙ               ｃｕｌｍｉｎａｔｅｄ               ｗｉｔｈ               ｔｈｅ               Ｄｅｍｏｃｒａｔｓ               ｂｌａｍｉｎｇ               ｔｈｅ               Ｒｅｐｕｂｌｉｃａｎｓ.

    Ｔｒｕｔｈ               ｉｓ               ｅｖｅｒｙｏｎｅ               ｉｓ               ｔｏ               ｂｌａｍｅ,               ａｎｄ               Ｉ               ｄｏ               ｍｅａｎ               ｅｖｅｒｙｏｎｅ!
                   Ｌｅｔ'ｓ               ｓｔａｒｔ               ｗｉｔｈ               ｔｈｅ               Ｃｏｎｇｒｅｓｓ.

    Ｔｈｅｙ               ｒｅｐｅａｌｅｄ               ｔｈｅ               Ｇｌａｓｓ-Ｓｔｅｇａｌｌ               Ａｃｔ               ｉｎ               1999,               ｗｉｔｈ               ｔｈｅ               ｐａｓｓａｇｅ               ｏｆ               ｔｈｅ               Ｆｉｎａｎｃｉａｌ               Ｓｅｒｖｉｃｅｓ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ               Ａｃｔ               ｏｆ               1999,               ａｌｓｏ               ｋｎｏｗｎ               ａｓ               Ｇｒａｍｍ-Ｌｅａｃｈ               Ｂｉｌｅｙ               Ａｃｔ               ｏｆ               1999.

    Ｔｈｉｓ               ａｃｔ               ａｌｌｏｗｅｄ               ｆｏｒ               ｔｈｅ               ｄｅｒｅｇｕｌａｔｉｏｎ               ｏｆ               ｔｈｅ               ｓｔｏｃｋｓ,               ｅｎａｂｌｉｎｇ               ｄｅｒｉｖａｔｉｖｅｓ               ｔｏ               ｆｌｏｕｒｉｓｈ.

    Ｔｈｅ               ｄｅｒｉｖａｔｉｖｅｓ               ｒｅｓｐｏｎｓｉｂｌｅ               ｆｏｒ               ｔｈｅ               ｃｒｅｄｉｔ               ｆｒｅｅｚｅ               ｗｅｒｅ               ｂｕｎｄｌｅｄ,               ａｎｄ               ｓｏｌｄ,               ａｎｄ               ｏｒｉｇｉｎａｔｅｄ               ｗｉｔｈ               ｂａｄ               ｍｏｒｔｇａｇｅｓ.

    Ｂａｄ               ｍｏｒｔｇａｇｅ               ａｒｅ               ｍｏｒｔｇａｇｅｓ               ｉｎ               ｄｅｆａｕｌｔ.

    Ｉｔ'ｓ               ｋｉｎｄ               ｏｆ               ｌｉｋｅ,               ｂｕｙｉｎｇ               ａ               ｓｌｉｃｅ               ｏｆ               ｔｈｅ               ｐｉｅ.

    Ｔｈｅ               ｐｉｅ               ｉｓ               ｙｏｕｒ               ｕｎｄｅｒ               ｂａｋｅｄ               ｍｏｒｔｇａｇｅ.

    1
                   Ｔｈｅ               Ｇｌａｓｓ-Ｓｔｅｇａｌｌ               Ａｃｔ               ｗａｓ               ｂｒｏｕｇｈｔ               ｉｎｔｏ               ｌａｗ               ｉｎ               1933.

    Ｉｔ               ｐｒｏｈｉｂｉｔｅｄ               ｂａｎｋｓ               ａｎｄ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋｓ               ｆｒｏｍ               ｃｏｍｂｉｎｉｎｇ               ｗｈｉｃｈ               ｒｅｓｕｌｔｅｄ               ｉｎ               ｔｈｅ               Ｇｒｅａｔ               Ｓｔｏｃｋ               Ｍａｒｋｅｔ               Ｃｏｌｌａｐｓｅ               ｏｆ               1929,               ａｎｄ               ｔｈｅ               Ｇｒｅａｔ               Ｄｅｐｒｅｓｓｉｏｎ.

    2
                   Ｔｈｅ               Ｇｌａｓｓ-Ｓｔｅｇａｌｌ               Ａｃｔ               ｏｆ               1933               ｗｈｉｃｈ               ｐｒｏｈｉｂｉｔｅｄ               ｂａｎｋｓ               ａｎｄ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋｓ               ｆｒｏｍ               ｉｎｔｅｇｒａｔｉｎｇ               ｗａｓ               ｅｎａｃｔｅｄ               ｔｏ               ｐｒｅｖｅｎｔ               ａｎｏｔｈｅｒ               "Ｇｒｅａｔ               Ｄｅｐｒｅｓｓｉｏｎ".

    Ｅｃｏｎｏｍｉｓｔｓ               ａｔ               ｔｈａｔ               ｔｉｍｅ               ｐｉｎｐｏｉｎｔｅｄ               ｔｈｅ               ｂａｎｋｓ               ｓｐｅｃｕｌａｔｉｖｅ               ｉｎｖｅｓｔｍｅｎｔｓ               ａｓ               ｔｈｅ               ｇｒｅｅｄ               ｔｈａｔ               ｌｅａｄ               ｔｏ               ｔｈｅ               ｅｃｏｎｏｍｉｃ               ｍｅｌｔｄｏｗｎ               ｏｆ               1933.

    Ｔｈｒｏｕｇｈｏｕｔ               ｔｈｅ               1920ｓ               ａ               ｌｏｎｇ               ｂｏｏｍ               ｔｏｏｋ               ｓｔｏｃｋ               ｐｒｉｃｅｓ               ｔｏ               ｐｅａｋｓ               ｎｅｖｅｒ               ｂｅｆｏｒｅ               ｓｅｅｎ.

    Ｆｒｏｍ               1920               ｔｏ               1929               ｓｔｏｃｋｓ               ｍｏｒｅ               ｔｈａｎ               ｑｕａｄｒｕｐｌｅｄ               ｉｎ               ｖａｌｕｅ.

    Ｍａｎｙ               ｉｎｖｅｓｔｏｒｓ               ｂｅｃａｍｅ               ｃｏｎｖｉｎｃｅｄ               ｔｈａｔ               ｓｔｏｃｋｓ               ｗｅｒｅ               ａ               ｓｕｒｅ               ｔｈｉｎｇ               ａｎｄ               ｂｏｒｒｏｗｅｄ               ｈｅａｖｉｌｙ               ｔｏ               ｉｎｖｅｓｔ               ｍｏｒｅ               ｍｏｎｅｙ               ｉｎ               ｔｈｅ               ｍａｒｋｅｔ.
                   Ｂｕｔ               ｉｎ               1929,               ｗｉｔｈ               ｔｈｅ               Ｓｔｏｃｋ               Ｍａｒｋｅｔ               Ｃｒａｓｈ,               ｔｈｅ               ｂｕｂｂｌｅ               ｂｕｒｓｔ               ａｎｄ               ｓｔｏｃｋｓ               ｓｔａｒｔｅｄ               ｄｏｗｎ               ａ               ｐｒｅｃｉｐｉｔｏｕｓ               ｃｌｉｆｆ.

    Ｉｎ               1932               ａｎｄ               1933,               ｔｈｅｙ               ｈｉｔ               ｂｏｔｔｏｍ,               ｄｏｗｎ               ａｂｏｕｔ               80%               ｆｒｏｍ               ｔｈｅｉｒ               ｈｉｇｈｓ               ｉｎ               ｔｈｅ               ｌａｔｅ               1920'ｓ.

    Ｄｅｍａｎｄ               ｆｏｒ               ｇｏｏｄｓ               ｄｅｃｌｉｎｅｄ               ｂｅｃａｕｓｅ               ｐｅｏｐｌｅ               ｆｅｌｔ               ｐｏｏｒ               ｂｅｃａｕｓｅ               ｏｆ               ｔｈｅｉｒ               ｌｏｓｓｅｓ               ｉｎ               ｔｈｅ               ｓｔｏｃｋ               ｍａｒｋｅｔ.

    Ｎｅｗ               ｉｎｖｅｓｔｍｅｎｔ               ｃｏｕｌｄ               ｎｏｔ               ｂｅ               ｆｉｎａｎｃｅｄ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｓａｌｅ               ｏｆ               ｓｔｏｃｋ,               ｂｅｃａｕｓｅ               ｎｏ               ｏｎｅ               ｗｏｕｌｄ               ｂｕｙ               ｔｈｅ               ｎｅｗ               ｓｔｏｃｋ.

    Ｔｈｉｓ               ｓｌｉｄｅ               ｔｏｗａｒｄ               ｔｈｅ               ｂｏｔｔｏｍ               ｉｓ               ｗｈａｔ               ｈｉｓｔｏｒｉａｎｓ               ｎｏｗ               ｃａｌｌ               ｔｈｅ               Ｇｒｅａｔ               Ｄｅｐｒｅｓｓｉｏｎ.

    2               Ｈｕｍ,               ｓｏｕｎｄ               ｆａｍｉｌｉａｒ.

    Ｋｉｎｄ               ｏｆ               ｌｉｋｅ               ｆａｌｌｉｎｇ               ｈｏｍｅ               ｐｒｉｃｅｓ,               ｎｏ               ｖａｌｕｅ               ｂｅｈｉｎｄ               ｍｏｒｔｇａｇｅ               ｓｅｃｕｒｉｔｉｅｓ,               ｐｅｏｐｌｅ               ｏｕｔ               ｏｆ               ｗｏｒｋ,               ｓｔｏｃｋ               ｍａｒｋｅｔ               ｌｏｓｓｅｓ,               ｔｉｇｈｔ               ｃｒｅｄｉｔ;               ｓｏｕｎｄｓ               ｌｉｋｅ               2008,               ｄｏｅｓｎ'ｔ               ｉｔ?
                   Ｔｈｅ               Ｆｉｎａｎｃｉａｌ               Ｓｅｒｖｉｃｅｓ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ               Ａｃｔ               ｏｆ               1999               ｓｉｘｔｙ-ｓｉｘ               ｙｅａｒｓ               ｌａｔｅｒ               ｏｎｃｅ               ａｇａｉｎ               ｐｅｒｍｉｔｔｅｄ               ｃｒｏｓｓ-ｏｗｎｅｒｓｈｉｐ               ｏｆ               ｂａｎｋｉｎｇ,               ｉｎｓｕｒａｎｃｅ               ａｎｄ               ｓｅｃｕｒｉｔｉｅｓ               ｆｉｒｍｓ,               ａｎｄ               ｉｔ               ｈａｓ               ａｄｄｅｄ               ｔｏ               ｔｈｅ               ｐｒｅｓｓｕｒｅ               ｔｏ               ｃｏｎｓｏｌｉｄａｔｅ               ｐｒｏｄｕｃｔ               ｓａｌｅｓ               ａｎｄ               ａｄｖｉｓｏｒｙ               ｓｅｒｖｉｃｅｓ               ｉ.ｅ.

    ｆｉｎａｎｃｉａｌ               ｐｌａｎｎｉｎｇ               ｕｎｄｅｒ               ｏｎｅ               ｒｏｏｆ               ｗｉｔｈｏｕｔ               ｃｈａｎｇｉｎｇ               ｔｈｅ               ｒｅｇｕｌａｔｏｒｙ               ｉｎｓｔｉｔｕｔｉｏｎｓ.

    1
                   Ｓｏ               ｗｈｙ               ｄｉｄ               ｗｅ               ｔｈｉｎｋ               ｔｈａｔ               ｌｉｆｔｉｎｇ               ｔｈｅ               ｒｅｑｕｉｒｅｍｅｎｔ               ｔｈａｔ               ｋｅｐｔ               ｂａｎｋｉｎｇ,               ａｎｄ               ｉｎｖｅｓｔｍｅｎｔ               ｈｏｕｓｅｓ               ｓｅｐａｒａｔｅ               ｉｎ               ｏｕｒ               ｎｅｗ               ｅｎｌｉｇｈｔｅｎｅｄ               ｔｅｃｈｎｏｌｏｇｉｃａｌ               ｍｏｄｅｒｎ               ａｇｅ               ｗｏｕｌｄ               ｂｅ               ａｎｙ               ｄｉｆｆｅｒｅｎｔ,               ｎｏｗ?

    Ｄｏｅｓ               ｇｒｅｅｄ               ｃｈａｎｇｅ?

    Ｉ               ｄｏｎ'ｔ               ｔｈｉｎｋ               ｓｏ.
                   Ｏｕｒ               ｅｎｌｉｇｈｔｅｎｅｄ               20ｔｈ               ｃｅｎｔｕｒｙ               Ｃｏｎｇｒｅｓｓ               ｔｈｏｕｇｈｔ               ｔｈａｔ               ｗｅｒｅ               ｍｕｃｈ               ｍｏｒｅ               ａｄｖａｎｃｅｄ,               ａｎｄ               ａｂｏｖｅ               ｔｈｅｓｅ               ｓａｆｅｇｕａｒｄｓ.

    Ｗｈａｔ'ｓ               ｔｈａｔ               ｏｌｄ               ｓａｙｉｎｇ?

    "Ｐｒｉｄｅ               ｇｏｅｓ               ｂｅｆｏｒｅ               ｄｅｓｔｒｕｃｔｉｏｎ,               ｈａｕｇｈｔｉｎｅｓｓ               ｂｅｆｏｒｅ               ａ               ｆａｌｌ."               3
                   Ｉｎ               ｔｈｅ               21ｓｔ               ｃｅｎｔｕｒｙ,               ｗｈｅｎ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋｓ               ｓａｗ               ｔｈｏｓｅ               ｓｏ               ｃａｌｌｅｄ               ｌｕｃｒａｔｉｖｅ               ｍｏｒｔｇａｇｅ               ｄｅｒｉｖａｔｉｖｅｓ               ｔｈｅｙ               ｂｏｕｇｈｔ               ｔｈｅｍ               ｕｐ               ｉｎ               ｈｕｇｅ               ｑｕａｎｔｉｔｉｅｓ;               ｈｏｗｅｖｅｒ,               ｗｈｅｎ               ｈｏｍｅｏｗｎｅｒｓ               ｓｔｏｐｐｅｄ               ｐａｙｉｎｇ               ｔｈｅｉｒ               ｍｏｒｔｇａｇｅｓ               ｄｕｅ               ｔｏ               ｊｏｂ               ｌｏｓｓｅｓ,               ｅｔｃ,               ｔｈｅｒｅ               ｗａｓ               ｎｏｔｈｉｎｇ               ｏｆ               ｓｕｂｓｔａｎｔｉａｌ               ｗｏｒｔｈ               ｂａｎｋｉｎｇ               ｔｈｏｓｅ               ｄｅｒｉｖａｔｉｖｅｓ.

    Ａｎｏｔｈｅｒ               ｍａｒｋｅｔ               ｃｒａｓｈ,               ｂｕｔ               ｔｈｉｓ               ｔｉｍｅ               ｉｔ               ｗａｓ               ｐｒｅｃｉｐｉｔａｔｅｄ               ｂｙ               ａ               ｃｒｅｄｉｔ               ｃｒａｓｈ.

    Ｂａｎｋｓ               ｓｔｏｐｐｅｄ               ｌｅｎｄｉｎｇ               ｅａｃｈ               ｏｔｈｅｒ               ｍｏｎｅｙ.

    Ｔｈｅｙ               ａｌｓｏ               ｓｔｏｐｐｅｄ               ｌｅｎｄｉｎｇ               ｓｍａｌｌ,               ａｎｄ               ｌａｒｇｅ               ｂｕｓｉｎｅｓｓｅｓ               ｍｏｎｅｙ,               ａｎｄ               ｔｈｅｙ               ｓｔｏｐｐｅｄ               ｌｅｎｄｉｎｇ               ｃｏｎｓｕｍｅｒｓ               ｍｏｎｅｙ.

    1               Ｗｈａｔ'ｓ               ｔｈａｔ               ｏｌｄ               ｓａｙｉｎｇ,               "Ｈｅ               ｗｈｏ               ｄｏｅｓｎ'ｔ               ｓｔｕｄｙ               ｈｉｓｔｏｒｙ,               ｉｓ               ｄｏｏｍｅｄ               ｔｏ               ｒｅｐｅａｔ               ｉｔ."
                   Ｏｈ,               ａｎｄ               ｇｕｅｓｓ               ｗｈｏ               ｗａｓ               Ｐｒｅｓｉｄｅｎｔ               ｉｎ               1999               ｗｈｅｎ               ｔｈｉｓ               ｂａｄ               ｌｅｇｉｓｌａｔｉｏｎ,               ｔｈａｔ               ｒｅｐｅａｌｅｄ               ｔｈｅ               ｓａｆｅｇｕａｒｄｓ               ｉｎｓｔｉｔｕｔｅｄ               ｂｙ               ｏｕｒ               Ａｍｅｒｉｃａｎ               ａｎｃｅｓｔｏｒｓ               ｃａｍｅ               ａｂｏｕｔ?

    Ｐｒｅｓｉｄｅｎｔ               Ｂｉｌｌ               Ｃｌｉｎｔｏｎ,               ａ               Ｄｅｍｏｃｒａｔ,               ｗｈｏ               ｓｉｇｎｅｄ               ｔｈｅ               Ｆｉｎａｎｃｉａｌ               Ｓｅｒｖｉｃｅｓ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ               Ａｃｔ               ｉｎｔｏ               ｌａｗ.

    Ａｎｄ               ｄｏｎ'ｔ               ｆｏｒｇｅｔ               ｂｏｔｈ               ｐａｒｔｉｅｓ               ｉｎ               Ｃｏｎｇｒｅｓｓ               ｗｈｏ               ｖｏｔｅｄ               ｆｏｒ               ｔｈｅ               ｄｅｒｅｇｕｌａｔｉｏｎ.

    Ｓｏ               ｂｅｓｉｄｅｓ               Ｐｒｅｓｉｄｅｎｔ               Ｃｌｉｎｔｏｎ,               ｔｈｅ               ｂａｎｋｓ,               ｔｈｅ               ｉｎｖｅｓｔｍｅｎｔ/ｂａｎｋｉｎｇ               ｌｏｂｂｙｉｓｔｓ               ａｎｄ               Ｃｏｎｇｒｅｓｓ,               ｌｅｔ'ｓ               ｓａｙ               ｗｅ               ｂｌａｍｅ               ｔｈｅ               ｓｐｏｎｓｏｒｓ               ｏｆ               ｔｈｅ               ｂｉｌｌ,               Ｓｅｎａｔｏｒ               Ｗｉｌｌｉａｍ               Ｇｒａｍｍ,               Ｒｅｐｕｂｌｉｃａｎ,               Ｃｏｎｇｒｅｓｓｍａｎ               Ｊｉｍ               Ｌｅａｃｈ,               Ｒｅｐｕｂｌｉｃａｎ,               ａｎｄ               Ｓｅｎａｔｏｒ               Ｔｏｍ               Ｂｉｌｅｙ,               Ｒｅｐｕｂｌｉｃａｎ!

    Ｙｅｓ,               Ｉ               ｋｎｏｗ               Ｉ               ｓａｉｄ               ｄｏｎ'ｔ               ｂｌａｍｅ               ｔｈｅ               Ｒｅｐｕｂｌｉｃａｎｓ,               ｂｕｔ               ａｌｔｈｏｕｇｈ               ｔｈｅｙ               ｗｅｒｅ               ａｌｌ               Ｒｅｐｕｂｌｉｃａｎｓ,               ａｔ               ｔｈｅ               ｔｉｍｅ               ｏｆ               ｔｈｅ               ｂｉｌｌ'ｓ               ｐａｓｓａｇｅ,               Ｓｅｎａｔｏｒ               Ｗｉｌｌｉａｍ               Ｇｒａｍｍ,               ｈａｄ               ｓｗｉｔｃｈｅｄ               ｐａｒｔｉｅｓ               ｆｒｏｍ               Ｄｅｍｏｃｒａｔ               ｔｏ               Ｒｅｐｕｂｌｉｃａｎ.

    Ｉ               ｇｕｅｓｓ               ｙｏｕ               ｃｏｕｌｄ               ｃａｌｌ               ｈｉｍ               ａ               ｈａｌｆ               ｂａｋｅｄ               Ｄｅｍｏｃｒａｔ.
                   Ａｎｄ               ｙｅｓ,               Ｉ               ｋｎｏｗ               ｔｈａｔ               Ｓｅｎａｔｏｒ               Ｗｉｌｌｉａｍ               Ｇｒａｍｍ,               ｐａｒｔｌｙ               ｒｅｓｐｏｎｓｉｂｌｅ               ｆｏｒ               ｔｈｉｓ               ｃｏｕｎｔｒｙ'ｓ               ｅｃｏｎｏｍｉｃ               ｄｅｍｉｓｅ               ｗａｓ               Ｓｅｎａｔｏｒ               Ｊｏｈｎ               ＭｃＣａｉｎ'ｓ               ｅｃｏｎｏｍｉｃ               ａｄｖｉｓｏｒ               ｆｏｒ               ｈｉｓ               Ｒｅｐｕｂｌｉｃａｎ               ｃａｍｐａｉｇｎ               ｆｏｒ               ｔｈｅ               Ｐｒｅｓｉｄｅｎｃｙ,               ｕｎｔｉｌ               Ｓｅｎａｔｏｒ               Ｇｒａｍｍ               ｗａｓ               ｑｕｏｔｅｄ               ｉｎ               ｔｈｅ               ｐｒｅｓｓ               ａｓ               ｓａｙｉｎｇ,               "Ｗｅ               ｈａｖｅ               ｓｏｒｔ               ｏｆ               ｂｅｃｏｍｅ               ａ               ｎａｔｉｏｎ               ｏｆ               ｗｈｉｎｅｒｓ.

    Ｙｏｕ               ｊｕｓｔ               ｈｅａｒ               ｔｈｉｓ               ｃｏｎｓｔａｎｔ               ｗｈｉｎｉｎｇ,               ｃｏｍｐｌａｉｎｉｎｇ               ａｂｏｕｔ               ａ               ｌｏｓｓ               ｏｆ               ｃｏｍｐｅｔｉｔｉｖｅｎｅｓｓ,               Ａｍｅｒｉｃａ               ｉｎ               ｄｅｃｌｉｎｅ."
                   ＭｃＣａｉｎ,               Ｒｅｐｕｂｌｉｃａｎ               ｃａｎｄｉｄａｔｅ               ｆｏｒ               Ｐｒｅｓｉｄｅｎｔ,               ｔｈｅｎ               ｄｉｓｔａｎｃｅｄ               ｈｉｍｓｅｌｆ               ｆｒｏｍ               Ｓｅｎａｔｏｒ               Ｗｉｌｌｉａｍ               Ｇｒａｍｍ.

    4               ＭｃＣａｉｎ               ｗａｓ               ａ               ｓｍａｒｔ               ｍａｎ,               ｂｅｃａｕｓｅ               ａｓ               ｔｈｅ               Ｇｏｏｄ               Ｂｏｏｋ               ｓａｙｓ,               "Ｉｆ               ｙｏｕ               ａｒｅ               ｌｏｏｋｉｎｇ               ｆｏｒ               ａｄｖｉｃｅ               ｓｔａｙ               ａｗａｙ               ｆｒｏｍ               ｆｏｏｌｓ."               3
                   Ｂｕｔ               ｔｈｅ               ｓｅｅｄｓ               ｏｆ               ｔｏｄａｙ'ｓ               ｍｏｒｔｇａｇｅ               ｍｅｌｔｄｏｗｎ               ａｃｔｕａｌｌｙ               ｇｏ               ｂａｃｋ               ｔｏ               ｂｅｆｏｒｅ               Ｊｏｈｎ               ＭｃＣａｉｎ'ｓ               ａｒｒｉｖａｌ               ｏｎ               ｔｈｅ               ｎａｔｉｏｎａｌ               ｓｃｅｎｅ               ｔｏ               1977,               ｗｈｅｎ               Ｊｉｍｍｙ               Ｃａｒｔｅｒ               ｗａｓ               Ｐｒｅｓｉｄｅｎｔ,               ａ               Ｄｅｍｏｃｒａｔ.

    Ｔｈｅ               Ｃｏｍｍｕｎｉｔｙ               Ｒｅｉｎｖｅｓｔｍｅｎｔ               Ａｃｔ               ｏｆ               1977,               ａｎｄ               ｉｔｓ               ｒｅｃｅｎｔ               ｕｎｗｉｓｅ               ａｍｅｎｄｍｅｎｔｓ,               ｗａｓ               ｍｅａｎｔ               ｔｏ               ｅｎｃｏｕｒａｇｅ               ｂａｎｋｓ               ｔｏ               ｍａｋｅ               ｌｏａｎｓ               ｔｏ               ｈｉｇｈ-ｒｉｓｋ               ｂｏｒｒｏｗｅｒｓ,               ｏｆｔｅｎ               ｍｉｎｏｒｉｔｉｅｓ               ｌｉｖｉｎｇ               ｉｎ               ｕｎｓｔａｂｌｅ               ｎｅｉｇｈｂｏｒｈｏｏｄｓ.

    Ａｎｙ               ｂａｎｋ               ｔｈａｔ               ｗａｎｔｅｄ               ｔｏ               ｅｘｐａｎｄ               ｏｒ               ｍｅｒｇｅ               ｗｉｔｈ               ａｎｏｔｈｅｒ               ｈａｄ               ｔｏ               ｓｈｏｗ               ｉｔ               ｈａｓ               ｃｏｍｐｌｉｅｄ               ｗｉｔｈ               ＣＲＡ               -               ａｎｄ               ａｐｐｒｏｖａｌ               ｗａｓ               ｈｅｌｄ               ｕｐ               ｂｙ               ｃｏｍｐｌａｉｎｔｓ               ｆｉｌｅｄ               ｂｙ               ｇｒｏｕｐｓ               ｌｉｋｅ               ＡＣＯＲＮ,               ｔｈｅ               Ａｓｓｏｃｉａｔｉｏｎ               ｏｆ               Ｃｏｍｍｕｎｉｔｙ               Ｏｒｇａｎｉｚａｔｉｏｎｓ               ｆｏｒ               Ｒｅｆｏｒｍ               Ｎｏｗ.

    Ｔｈｅ               ｓａｍｅ               ｏｒｇａｎｉｚａｔｉｏｎ               ｔｈａｔ               Ｂａｒａｃｋ               Ｏｂａｍａ,               Ｄｅｍｏｃｒａｔｉｃ               ｃａｎｄｉｄａｔｅ               ｆｏｒ               Ｐｒｅｓｉｄｅｎｔ,               ａｎｄ               ｎｏｗ               Ｐｒｅｓｉｄｅｎｔ-ｅｌｅｃｔ               ｗｏｒｋｅｄ               ｗｉｔｈ               ｉｎ               ｔｈｅ               '90'ｓ.5
                   Ｏｆ               ｃｏｕｒｓｅ,               ｉｔ               ｗａｓｎ'ｔ               ｏｎｌｙ               ｆｅｄｅｒａｌ               ｌａｗ               ｔｈａｔ               ｅｎｃｏｕｒａｇｅｄ               ｕｎｗｉｓｅ               ｉｎｖｅｓｔｉｎｇ.

    Ｉｔ               ｗａｓ               ａｌｓｏ               ｔｈｅ               ｍｏｒｔｇａｇｅ               ｃｏｍｐａｎｉｅｓ               ｅｘｅｃｕｔｉｖｅｓ,               ａｌｏｎｇ               ｗｉｔｈ               ｔｈｅ               ｂａｎｋｉｎｇ               ｃｏｍｍｕｎｉｔｙ.

    Ｔｈｅ               ｇｒｏｗｉｎｇ               ｔｒｅｎｄ               ｗａｓ               ｔｈａｔ               ｍｏｒｔｇａｇｅ               ｃｏｍｐａｎｉｅｓ               ｇａｖｅ               ｌｏａｎｓ               ｔｏ               ｎｏｎｃｒｅｄｉｔ               ｗｏｒｔｈｙ               ｂｏｒｒｏｗｅｒｓ,               ｗｉｔｈｏｕｔ               ｖｅｒｉｆｙｉｎｇ               ｉｎｃｏｍｅ,               ａｎｄ               ａｂｉｌｉｔｙ               ｔｏ               ｐａｙ.

    Ｔｈｅｙ               ｗｅｒｅ               ｂａｎｋｉｎｇ               ｏｎ               ｈｏｍｅ               ｐｒｉｃｅｓ               ｏｎｌｙ               ｇｏｉｎｇ               ｕｐ,               ｎｏｔ               ｄｏｗｎ.

    Ｗｈａｔ'ｓ               ｔｈｅ               ｏｌｄ               ｓａｙｉｎｇ?

    "Ｗｈａｔ               ｇｏｅｓ               ｕｐ,               ｍｕｓｔ               ｃｏｍｅ               ｄｏｗｎ."
                   Ａｌｓｏ,               ｓｈａｒｉｎｇ               ｔｈｅ               ｂｌａｍｅ               ｆｏｒ               ｔｈｅ               ｆａｌｌ               ｏｆ               ｔｈｅ               ｃｌｉｆｆ,               ｔｈｅ               ｃｒｅｄｉｔｏｒｓ.

    Ｏｎｅｓ               ｔｈａｔ               ｌｉｅｄ               ａｎｄ               ｆａｂｒｉｃａｔｅｄ               ｉｎｃｏｍｅ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｋｎｅｗ               ｎｏ               ｏｎｅ               ｗｏｕｌｄ               ｃｈｅｃｋ.

    Ｂｌａｍｅ               ｓｏｍｅ               ｏｆ               ｔｈｅ               ａｐｐｒａｉｓｅｒｓ,               ａｌｓｏ,               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｐａｒｔｉｃｉｐａｔｅｄ               ｉｎ               ｋｉｃｋｂａｃｋ               ｓｃｈｅｍｅｓ               ｉｎｖｏｌｖｉｎｇ               ｃａｓｈ-ｂａｃｋ               ｄｅａｌｓ.

    Ｂｌａｍｅ               ｔｈｅ               ｈｏｍｅｏｗｎｅｒｓ               ｗｈｏ               ｗｅｒｅ               ｉｎ               ｌｅａｇｕｅ               ｗｉｔｈ               ｔｈｅ               ａｐｐｒａｉｓｅｒｓ.

    Ａｎｄ               ｂｌａｍｅ               ｔｈｅ               Ｓｔａｔｅ               ｇｏｖｅｒｎｍｅｎｔｓ,               ｍａｄｅ               ｕｐ               ｏｆ               Ｇｏｖｅｒｎｏｒｓ,               ａｎｄ               ｌｅｇｉｓｌａｔｏｒｓ,               ｗｈｏ               ｃｏｕｌｄ               ｈａｖｅ               ｒｅｇｕｌａｔｅｄ,               ａｎｄ               ｌｉｃｅｎｓｅｄ               ａｐｐｒａｉｓｅｒｓ,               ｔｉｔｌｅ               ｃｏｍｐａｎｉｅｓ,               ａｎｄ               ｍｏｒｔｇａｇｅ               ｃｏｍｐａｎｉｅｓ,               ｂｕｔ               ｄｉｄｎ'ｔ.

    Ａｎｄ               ｂｌａｍｅ               ｔｈｅ               ｐｏｌｉｃｅ,               ａｎｄ               ｙｏｕｒ               ｓｔａｔｅ               ａｔｔｏｒｎｅｙ               ｇｅｎｅｒａｌｓ               ｗｈｏ               ｃｏｕｌｄ               ｏｆ               ｐｕｔ               ｔｈｅ               ｃｒｏｏｋｓ               ｉｎ               ｊａｉｌ,               ｂｕｔ               ｄｉｄｎ'ｔ.
                   Ｗｈａｔ               ａｒｅ               ｔｈｏｓｅ               ｅｖｉｌ               ａｐｐｒａｉｓａｌ               ｋｉｃｋｂａｃｋ               ｓｃｈｅｍｅｓ,               ｙｏｕ               ａｓｋ?

    Ｉｔ               ｉｎｖｏｌｖｅｄ               ｇｅｔｔｉｎｇ               ａ               ｍｏｒｔｇａｇｅ               ｆｏｒ               ｍｏｒｅ               ｔｈａｎ               ａ               ｈｏｕｓｅ'ｓ               ｓａｌｅｓ               ｐｒｉｃｅ               ｏｒ               ｍｏｒｅ               ｔｈａｎ               ｉｔ'ｓ               ｗｏｒｔｈ.

    Ｔｈｏｓｅ               ｉｎｖｏｌｖｅｄ               ｉｎ               ｔｈｅ               ｓｃｈｅｍｅ               ｔｈｅｎ               ｓｐｌｉｔ               ｔｈｅ               ｅｘｔｒａ               ｃａｓｈ.

    Ｉｔ               ｗａｓ               ａ               ｃａｓｈ-ｂａｃｋ               ｄｅａｌ.
                   Ａ               ｃａｓｈ-ｂａｃｋ               ｄｅａｌ               ｕｓｕａｌｌｙ               ｒｅｌｉｅｄ               ｏｎ               ａｎ               ｉｎｆｌａｔｅｄ               ａｐｐｒａｉｓａｌ.

    Ｔｙｐｉｃａｌｌｙ,               ｔｈｅ               ｂｕｙｅｒ,               ａｐｐｒａｉｓｅｒ,               ｍｏｒｔｇａｇｅ               ｂｒｏｋｅｒ,               ｒｅａｌ-ｅｓｔａｔｅ               ａｇｅｎｔ,               ｅｓｃｒｏｗ               ｏｆｆｉｃｅｒ               ａｎｄ,               ｓｏｍｅｔｉｍｅｓ,               ｔｈｅ               ｓｅｌｌｅｒ,               ａｒｅ               ｉｎ               ｏｎ               ｔｈｅ               ｓｃｈｅｍｅ               ａｎｄ               ｓｐｌｉｔ               ｔｈｅ               ｅｘｔｒａ               ｃａｓｈ,6               ｂｅｃａｕｓｅ               ａｓ               ｙｏｕ               ｋｎｏｗ,               "Ｗｉｃｋｅｄｎｅｓｓ               ｌｏｖｅｓ               ｃｏｍｐａｎｙ."               3               Ｂｅｙｏｎｄ               ｄｅｆｒａｕｄｉｎｇ               ｔｈｅ               ｌｅｎｄｅｒ,               ｔｈｅ               ｓｃａｍｓ               ｈａｖｅ               ｈｕｒｔ               ｔｈｅ               ｎａｔｉｏｎａｌ               ｈｏｕｓｉｎｇ               ｍａｒｋｅｔ,               ｅｃｏｎｏｍｙ,               ａｎｄ               ｍｏｒｔｇａｇｅ               ｃｒｉｓｉｓ,               ｌｅａｄｉｎｇ               ｔｏ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｍｅｌｔｄｏｗｎ.

    Ｉｎｆｌａｔｅｄ               ｍｏｒｔｇａｇｅｓ               ｔｅｎｄｅｄ               ｔｏ               ｄｅｖａｌｕｅ               ｔｈｅ               ｒｅａｌ               ｖａｌｕｅ               ｏｆ               ｔｈｅ               ｈｏｕｓｅ,               ａｎｄ               ｔｈｕｓ               ｉｎ               ｔｕｒｎ               ｄｅｖａｌｕａｔｅ               ｔｈｅ               ｍｏｒｔｇａｇｅ               ｓｅｃｕｒｉｔｉｅｓ,               ｍｏｒｔｇａｇｅ               ｄｅｒｉｖａｔｉｖｅｓ               ｔｈａｔ               ａｒｅ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               ｉｎｆｌａｔｅｄ               ｍｏｒｔｇａｇｅｓ.6
                   Ｄｉｄ               ｔｈｅ               ｉｎｄｉｖｉｄｕａｌ               ｓｃｈｅｍｅｒ               ｔｈｉｎｋ               ｈｅ               ｗａｓ               ｔｅａｒｉｎｇ               ｄｏｗｎ               ｔｈｅ               ｆａｂｒｉｃ               ｏｆ               ｔｈｅ               ｅｃｏｎｏｍｙ?

    Ｄｉｄ               ｈｅ               ｋｎｏｗ               ｔｈａｔ               ｍａｎｙ               ｐｅｏｐｌｅ               ｗｅｒｅ               ｄｏｉｎｇ               ｔｈｅ               ｓａｍｅ?

    Ｄｉｄ               ｈｅ               ｃａｒｅ?

    Ｈｅ               ｐｒｏｂａｂｌｙ               ｔｈｏｕｇｈｔ,               ｉｔ               ｗａｓ               ａ               ｖｉｃｔｉｍｌｅｓｓ               ｃｒｉｍｅ.

    Ｔｈｅ               ｏｎｌｙ               ｖｉｃｔｉｍ               ｔｈｅ               ｂａｎｋ.

    Ａ               ｂａｎｋ               ｉｓｎ'ｔ               ａ               ｒｅａｌ               ｐｅｒｓｏｎ               ｉｓ               ｉｔ?

    Ｂｌａｍｅ               ｔｈｅ               ｌａｃｋ               ｏｆ               ｍｏｒａｌｉｔｙ.

    Ｂｌａｍｅ               ｔｈｅ               Ａｍｅｒｉｃａｎ               ｃｕｌｔｕｒｅ.
                   Ｂｕｔ               ｗｈａｔ               ａｂｏｕｔ               ｔｈｅ               ｌａｗ?

    Ｉｓｎ'ｔ               ｔｈｉｓ               ａ               ｃｒｉｍｅ?

    Ｙｅｓ,               ｂｕｔ               ｅｖｅｎ               ｔｈｏｕｇｈ               ｔｈｉｓ               ｃｒｉｍｅ               ｉｓ               ｐｒｏｓｅｃｕｔａｂｌｅ,               ｄｏｅｓ               ｙｏｕｒ               ｓｔａｔｅ               ｈａｖｅ               ｅｎｏｕｇｈ               ｒｅｓｏｕｒｃｅｓ               ｔｏ               ｃｏｍｂａｔ               ｉｔ?

    Ｆｅｌｅｃｉａ               Ｒｏｔｅｌｌｉｎｉ               ｏｆ               ｔｈｅ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｆｉｎａｎｃｉａｌ               Ｉｎｓｔｉｔｕｔｉｏｎｓ,               ｗｈｏ               ｈｅａｄｓ               Ａｒｉｚｏｎａ'ｓ               Ｍｏｒｔｇａｇｅ               Ｆｒａｕｄ               Ｔａｓｋ               Ｆｏｒｃｅ               ｄｏｅｓｎ'ｔ               ｔｈｉｎｋ               ｓｏ.

    Ｔｈｅ               Ｓｔａｔｅ               ｂｕｄｇｅｔ               ｄｉｄｎ'ｔ               ｇｉｖｅ               ｈｅｒ               ｅｎｏｕｇｈ               ｍｏｎｅｙ               ｔｏ               ｉｎｖｅｓｔｉｇａｔｅ               ｔｈｉｓ               ｃｒｉｍｅ.

    Ｓｏ               ｂｌａｍｅ               ｔｈｅ               Ｓｔａｔｅ               ｇｏｖｅｒｎｏｒｓ,               ａｎｄ               ｌｅｇｉｓｌａｔｏｒｓ...

    6
                   Ｏｋａｙ,               ｗｈｏ               ｉｓ               ｎｅｘｔ               ｉｎ               ｔｈｉｓ               ｅｃｏｎｏｍｉｃ               ｃｒｉｓｉｓ?

    Ｂｌａｍｅ               ｔｈｅ               ｈｅａｄ               ｅｘｅｃｕｔｉｖｅｓ               ｏｆ               Ｆａｎｎｉｅ               Ｍａｅ,               Ｄａｎｉｅｌ               Ｍｕｄｄ,               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ,               Ｒｉｃｈａｒｄ               Ｓｙｒｏｎ.

    Ｗｈｙ               ｂｌａｍｅ               ｔｈｅｍ,               ｙｏｕ               ａｓｋ?
                   Ｆａｎｎｉｅ               Ｍａｅ,               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｎａｔｉｏｎａｌ               Ｍｏｒｔｇａｇｅ               Ａｓｓｏｃｉａｔｉｏｎ,               ｆｏｕｎｄｅｄ               ｉｎ               1938,               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ,               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｈｏｍｅ               Ｌｏａｎ               Ｍｏｒｔｇａｇｅ               Ｃｏｒｐｏｒａｔｉｏｎ,               ｆｏｕｎｄｅｄ               ｉｎ               1970               ｗｅｒｅ               ｃｈａｒｔｅｒｅｄ               ｂｙ               Ｃｏｎｇｒｅｓｓ               ｔｏ               ｆｕｎｎｅｌ               ｍｏｎｅｙ               ｔｏ               ｍｏｒｔｇａｇｅ               ｌｅｎｄｅｒｓ               ａｎｄ               ｗｅｒｅ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｄｅｖｏｔｅ               ａ               ｐｏｒｔｉｏｎ               ｏｆ               ｔｈｅｉｒ               ｂｕｓｉｎｅｓｓ               ｔｏ               ａｆｆｏｒｄａｂｌｅ               ｈｏｕｓｉｎｇ.

    Ｔｈｅ               ｃｏｍｐａｎｉｅｓ               ｈａｖｅ               ｔｗｏ               ｍａｉｎ               ｌｉｎｅｓ               ｏｆ               ｂｕｓｉｎｅｓｓｅｓ:               Ｔｈｅｙ               ｐａｃｋａｇｅ               ｍｏｒｔｇａｇｅｓ               ｉｎｔｏ               ｓｅｃｕｒｉｔｉｅｓ               ｆｏｒ               ｓａｌｅ               ｔｏ               ｉｎｖｅｓｔｏｒｓ,               ａｎｄ               ｔｈｅｙ               ｍａｋｅ               ｉｎｖｅｓｔｍｅｎｔｓ               ｏｆ               ｔｈｅｉｒ               ｏｗｎ               ｉｎ               ｍｏｒｔｇａｇｅｓ               ａｎｄ               ｍｏｒｔｇａｇｅ-ｂａｃｋｅｄ               ｓｅｃｕｒｉｔｉｅｓ.
                   Ｉｎ               Ｍａｙ               2006,               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ               ｃｈａｒｇｅｄ               Ｆａｎｎｉｅ               Ｍａｅ               ｗｉｔｈ               ｃｉｖｉｌ               ａｃｃｏｕｎｔｉｎｇ               ｆｒａｕｄ.

    Ｗｉｔｈｏｕｔ               ａｄｍｉｔｔｉｎｇ               ｏｒ               ｄｅｎｙｉｎｇ               ｗｒｏｎｇｄｏｉｎｇ,               Ｆａｎｎｉｅ               ａｇｒｅｅｄ               ｔｏ               ｐａｙ               ａ               $400               ｍｉｌｌｉｏｎ               ｐｅｎａｌｔｙ.

    Ｔｈｅ               ｓｅｔｔｌｅｍｅｎｔ,               ｂａｒｔｅｒｅｄ               ｂｙ               ｔｈｅ               ＳＥＣ,               ａｎｄ               ｔｈｅ               Ｏｆｆｉｃｅ               ｏｆ               Ｆｅｄｅｒａｌ               Ｈｏｕｓｉｎｇ               Ｅｎｔｅｒｐｒｉｓｅ               Ｏｖｅｒｓｉｇｈｔ,               ｐｒｏｈｉｂｉｔｅｄ               Ｆａｎｎｉｅ               Ｍａｅ               ｆｒｏｍ               ｅｘｐａｎｄｉｎｇ               ｉｔｓ               ｉｎｖｅｓｔｍｅｎｔ               ｐｏｒｔｆｏｌｉｏ               ｂｅｙｏｎｄ               ｉｔｓ               2005               ｉｎｖｅｓｔｍｅｎｔ               ｓｉｚｅ.
                   Ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ?
                   Ｉｎ               Ａｕｇｕｓｔ               2006,               ｃｉｔｉｎｇ               ｗｅａｋｎｅｓｓｅｓ               ｉｎ               Ｆｒｅｄｄｉｅ               Ｍａｃ'ｓ               ｉｎｔｅｒｎａｌ               ｓｙｓｔｅｍｓ,               ｔｈｅ               Ｏｆｆｉｃｅ               ｏｆ               Ｆｅｄｅｒａｌ               Ｈｏｕｓｉｎｇ               Ｅｎｔｅｒｐｒｉｓｅ               Ｏｖｅｒｓｉｇｈｔ,               Ｆｒｅｄｄｉｅ               Ｍａｅ'ｓ               ｒｅｇｕｌａｔｏｒｙ               ｂｏａｒｄ               ｐｒｅｖａｉｌｅｄ               ｉｎ               ａｓｋｉｎｇ               Ｆｒｅｄｄｉｅ               Ｍａｃ               ｔｏ               ｖｏｌｕｎｔａｒｉｌｙ               ｌｉｍｉｔ               ｉｔｓ               ｇｒｏｗｔｈ.

    Ｔｈｅ               ａｇｒｅｅｍｅｎｔ               ｒｅｓｔｒｉｃｔｅｄ               ｔｈｅ               ｅｘｐａｎｓｉｏｎ               ｏｆ               Ｆｒｅｄｄｉｅ               Ｍａｃ'ｓ               ｍｏｒｔｇａｇｅ               ｉｎｖｅｓｔｍｅｎｔｓ,               ａ               ｍａｊｏｒ               ｓｏｕｒｃｅ               ｏｆ               ｐｒｏｆｉｔ,               ｕｎｔｉｌ               ｔｈｅ               ｃｏｍｐａｎｙ               ｒｅｔｕｒｎｓ               ｔｏ               ｔｉｍｅｌｙ               ｆｉｎａｎｃｉａｌ               ｒｅｐｏｒｔｉｎｇ.

    Ｔｈｅ               Ｆｅｄｅｒａｌ               Ｒｅｓｅｒｖｅ               ａｎｄ               ｏｔｈｅｒ               ｃｒｉｔｉｃｓ               ｗｅｒｅ               ｗｏｒｒｉｅｄ               ｔｈａｔ               ｔｈｅ               ｃｏｍｐａｎｉｅｓ'               ｈｏｌｄｉｎｇｓ               ｗｅｒｅ               ｓｏ               ｌａｒｇｅ               ｔｈａｔ               ｔｈｅｙ               ｃｏｕｌｄ               ｐｏｓｅ               ａ               ｒｉｓｋ               ｔｏ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｓｙｓｔｅｍ.

    Ｗｈｉｌｅ               ｕｎｈａｐｐｙ               ａｂｏｕｔ               ｔｈｅ               ｕｎｔｉｍｅｌｙ               ｍａｎｎｅｒ               Ｆｒｅｄｄｉｅ               ｄｅｌｉｖｅｒｅｄ               ｉｔｓ               ａｎｎｕａｌ               ｆｉｎａｎｃｉａｌ               ｒｅｐｏｒｔｓ,               ｉｎ               Ｓｅｐｔｅｍｂｅｒ               ｏｆ               2006,               ｔｈｅ               Ｊｕｓｔｉｃｅ               Ｄｅｐａｒｔｍｅｎｔ               ｅｎｄｅｄ               ａ               ｃｒｉｍｉｎａｌ               ｐｒｏｂｅ               ｏｆ               Ｆｒｅｄｄｉｅ'ｓ               ａｃｃｏｕｎｔｉｎｇ               ｔｒａｎｓｇｒｅｓｓｉｏｎｓ               ｗｉｔｈｏｕｔ               ａｎｙ               ｐｒｏｓｅｃｕｔｉｏｎｓ.
                   Ｓｉｎｃｅ               Ｆａｎｎｉｅ               Ｍａｅ,               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ               ａｒｅ               ｑｕａｓｉ-ｇｏｖｅｒｎｍｅｎｔａｌ               ｅｎｔｉｔｉｅｓ,               ｓｏｍｅ               ｍｅｍｂｅｒｓ               ｏｆ               Ｃｏｎｇｒｅｓｓ               ｗｅｒｅ               ｃｏｎｃｅｒｎｅｄ.

    Ｉｎ               Ｍａｒｃｈ               ｏｆ               2007,               ｔｈｅ               Ｈｏｕｓｅ               Ｆｉｎａｎｃｉａｌ               Ｓｅｒｖｉｃｅｓ               Ｃｏｍｍｉｔｔｅｅ               ａｄｖａｎｃｅｄ               ａ               ｂｉｌｌ               ｔｈａｔ               ｗｏｕｌｄ               ｇｉｖｅ               ｒｅｇｕｌａｔｏｒｓ               ｔｈｅ               ａｂｉｌｉｔｙ               ｔｏ               ｒｅｓｔｒｉｃｔ               ｔｈｅ               ｓｃａｌｅ               ｏｆ               ｔｈｅ               ｃｏｍｐａｎｉｅｓ'               ｉｎｖｅｓｔｍｅｎｔｓ.
                   Ｓｅｎａｔｏｒ               Ｊｏｈｎ               ＭｃＣａｉｎ               ｗａｎｔｅｄ               ｔｏ               ｃｕｒｔａｉｌ,               Ｄａｎｉｅｌ               Ｍｕｄｄ,               ａｎｄ               Ｒｉｃｈａｒｄ               Ｓｙｒｏｎ'ｓ               ｐｏｗｅｒ.

    Ｓｅｎａｔｏｒ               ＭｃＣａｉｎ,               ｔｈｅ               Ｈｏｕｓｅ               Ｆｉｎａｎｃｉａｌ               Ｓｅｒｖｉｃｅｓ               Ｃｏｍｍｉｔｔｅｅ,               ａｎｄ               Ｐｒｅｓｉｄｅｎｔ               Ｇｅｏｒｇｅ               Ｂｕｓｈ               ｊｏｉｎｅｄ               ｆｏｒｃｅｓ               ａｎｄ               ｐｕｓｈｅｄ,               ｆｏｒ               ｌｅｇｉｓｌａｔｉｏｎ               ｔｈａｔ               ｗｏｕｌｄ               ｒｅｉｎ               ｔｈｅｍ               ｉｎ.
                   Ｓｅｎａｔｏｒ               Ｊｏｈｎ               ＭｃＣａｉｎ,               ａｎｄ               Ｐｒｅｓｉｄｅｎｔ               Ｇｅｏｒｇｅ               Ｂｕｓｈ               ｗｅｒｅ               ａｌａｒｍｅｄ               ｂｅｃａｕｓｅ               Ｆａｎｎｉｅ               Ｍａｅ               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ               ｗｉｔｈ               ｔｈｅ               ｈｅｌｐ               ｏｆ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋｓ               ｂｏｒｒｏｗｅｄ               ｒｅｃｏｒｄ               ａｍｏｕｎｔｓ               ｏｆ               ｍｏｎｅｙ,               ａｎｄ               ｂｏｕｇｈｔ               ｕｐ               ｍｏｒｔｇａｇｅ               ｐｏｒｔｆｏｌｉｏｓ,               ａｎｄ               ｓｏｌｄ               ｔｈｅｍ               ａｓ               ｓｅｃｕｒｉｔｉｅｓ,               ｍｏｒｔｇａｇｅ               ｄｅｒｉｖａｔｉｖｅｓ.

    Ａｌａｓ,               Ｓｅｎａｔｏｒ               Ｊｏｈｎ               ＭｃＣａｉｎ,               ｔｈａｔ               ｓｏ               ｃａｌｌｅｄ               ｅｖｉｌ               ｅｃｏｎｏｍｉｃ               ｃｒｉｓｉｓ               Ｒｅｐｕｂｌｉｃａｎ               ｗｈｏ               ａｌｏｎｅ               ｉｎ               ｌｅａｇｕｅ               ｗｉｔｈ               Ｐｒｅｓｉｄｅｎｔ               Ｂｕｓｈ,               ａｎｄ               ｔｈｅ               Ｒｅｐｕｂｌｉｃａｎｓ               ｃｒｅａｔｅｄ               ａｌｌ               ｔｈｏｓｅ               ｆａｉｌｅｄ               ｅｃｏｎｏｍｉｃ               ｐｏｌｉｃｉｅｓ,               ｆａｉｌｅｄ               ｔｏ               ｇａｒｎｉｓｈ               ｅｎｏｕｇｈ               ｓｕｐｐｏｒｔ               ｆｒｏｍ               ｂｏｔｈ               ｐａｒｔｉｅｓ               ｔｏ               ａｃｃｏｍｐｌｉｓｈ               ｔｈｅ               ｊｏｂ.

    7
                   Ａｎｄ               ｗｈａｔ               ａｂｏｕｔ               Ｒｏｂｅｒｔ               Ｒｕｂｉｎ,               Ｔｒｅａｓｕｒｙ               Ｓｅｃｒｅｔａｒｙ               ｕｎｄｅｒ               Ｄｅｍｏｃｒａｔｉｃ               Ｐｒｅｓｉｄｅｎｔ               Ｂｉｌｌ               Ｃｌｉｎｔｏｎ?

    Ｕｐｏｎ               ｈｉｓ               ｒｅｔｉｒｅｍｅｎｔ,               Ｐｒｅｓｉｄｅｎｔ               Ｃｌｉｎｔｏｎ               ｄｕｂｂｅｄ               ｈｉｍ,               "Ｔｈｅ               ｇｒｅａｔｅｓｔ               Ｔｒｅａｓｕｒｙ               Ｓｅｃｒｅｔａｒｙ               ｓｉｎｃｅ               Ａｌｅｘａｎｄｅｒ               Ｈａｍｉｌｔｏｎ."               8               Ｏｈ,               ｒｅａｌｌｙ?

    Ｈｅ               ｄｉｄｎ'ｔ               ｓｅｅ               ｔｈｅ               ｍｏｒｔｇａｇｅ/ｃｒｅｄｉｔ               ｃｒｉｓｉｓ               ｃｏｍｉｎｇ.

    Ｈｅ               ｄｉｄｎ'ｔ               ｗｏｒｋ               ｔｏ               ｐｒｅｖｅｎｔ               ｉｔ               ｅｉｔｈｅｒ.

    Ａｎｄ               ｗｈａｔ               ａｂｏｕｔ               Ｈｅｎｒｙ               Ｐａｕｌｓｏｎ,               Ｐｒｅｓｉｄｅｎｔ               Ｂｕｓｈ'ｓ               Ｔｒｅａｓｕｒｙ               Ｓｅｃｒｅｔａｒｙ?

    Ｈｅ               ａｌｓｏ               ｄｉｄｎ'ｔ               ｓｅｅ               ｔｈｅ               ｃｒｅｄｉｔ               ｃｒｉｓｉｓ               ｃｏｍｉｎｇ               ｕｎｔｉｌ               ｉｔ               ｗａｓ               ｔｏｏ               ｌａｔｅ               ｔｏ               ｃｏｎｔｒｏｌ               ｔｈｅ               ｄａｍａｇｅ.
                   Ａｌｓｏ,               ｂｌａｍｅ               ｔｈｅ               Ｓｅｃｕｒｉｔｉｅｓ               ａｎｄ               Ｅｘｃｈａｎｇｅ               Ｃｏｍｍｉｓｓｉｏｎ               Ｃｈａｉｒ,               Ｃｈｒｉｓｔｏｐｈｅｒ               Ｃｏｘ               ｆｏｒ               ｈｅａｄｉｎｇ               ａ               ｆｅｄｅｒａｌ               ａｇｅｎｃｙ,               ｗｈｉｃｈ               ｌｏｏｓｅｌｙ               ｒｅｇｕｌａｔｅｄ               ｓｔｏｃｋｓ,               ｂｏｎｄｓ,               ａｎｄ               ｔｈｅ               ｓｔｏｃｋ               ｍａｒｋｅｔ.

    Ｔｈｅ               ＳＥＣ               ｒｅｖｏｋｅｄ               ｔｈｅ               ｓｈｏｒｔ-ｓａｌｅ               ｒｕｌｅ               ｉｎ               Ｊｕｌｙ               2007.

    Ｕｎｄｅｒ               ｔｈａｔ               ｒｕｌｅ,               ｓｈｏｒｔ               ｓａｌｅｓ               ｗｅｒｅ               ａｌｌｏｗｅｄ               ｏｎｌｙ               ｕｎｄｅｒ               ａｎ               ｕｐ               ｍａｒｋｅｔ.

    Ｒｅｖｏｋｉｎｇ               ｉｔ               ａｌｌｏｗｅｄ               ａｎ               ｕｎｃｏｎｔｒｏｌｌｅｄ               ｓｐｉｒａｌ               ｉｎ               ｔｈｅ               ｍａｒｋｅｔ,               ａｎｄ               ｗｅａｋｅｎｅｄ               ｓｔｏｃｋ.

    1
                   Ｂｌａｍｅ               Ａｌａｎ               Ｇｒｅｅｎｓｐａｎ,               Ｃｈａｉｒｍａｎ               ｏｆ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｒｅｓｅｒｖｅ               Ｂｏａｒｄ,               ｆｒｏｍ               1987               ｕｎｔｉｌ               ｈｉｓ               ｒｅｔｉｒｅｍｅｎｔ               ｉｎ               2006.

    Ｈｅ               ｓｅｒｖｅｄ               ｕｎｄｅｒ               Ｐｒｅｓｉｄｅｎｔ               Ｒｏｎａｌｄ               Ｒｅａｇａｎ,               ａ               Ｒｅｐｕｂｌｉｃａｎ,               Ｂｉｌｌ               Ｃｌｉｎｔｏｎ,               ａ               Ｄｅｍｏｃｒａｔ,               Ｇｅｏｒｇｅ               Ｈ.Ｗ               Ｂｕｓｈ,               Ｒｅｐｕｂｌｉｃａｎ,               ａｎｄ               Ｇｅｏｒｇｅ               Ｗ.

    Ｂｕｓｈ,               ａｌｓｏ               ａ               Ｒｅｐｕｂｌｉｃａｎ.

    Ｈｅ               ｏｖｅｒｓａｗ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               Ｆｅｄｅｒａｌ               Ｒｅｓｅｒｖｅ               Ｂｏａｒｄ,               ｗｈｉｃｈ               ｏｖｅｒｓｅｅｓ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｒｅｓｅｒｖｅ               Ｂａｎｋ,               ａ               ｐｒｉｖａｔｅ               ｃｏｒｐｏｒａｔｉｏｎ               ｃｈａｒｔｅｒｅｄ               ｉｎ               1913               ｂｙ               Ｃｏｎｇｒｅｓｓ               ａｎｄ               Ｐｒｅｓｉｄｅｎｔ               Ｗｏｏｄｒｏｗ               Ｗｉｌｓｏｎ               ｔｏ               ｓｅｒｖｉｃｅ               ｔｈｅ               ｎａｔｉｏｎ'ｓ               ｂａｎｋｓ.

    Ａｓ               ａ               ｆａｍｏｕｓ               ａｎｄ               ｗｅｌｌ               ｒｅｓｐｅｃｔｅｄ               ｅｃｏｎｏｍｉｓｔ,               ｈｅ               ｈａｄ               ｅｎｏｒｍｏｕｓ               ｉｎｆｌｕｅｎｃｅ               ａｎｄ               ｗａｓ               ｓａｉｄ               ｔｏ               ｒｕｌｅ               ｔｈｅ               ｗｏｒｌｄ               ｏｆ               ｍｏｎｅｙ.

    Ｉｎ               Ｈｏｕｓｅ               ｈｅａｒｉｎｇｓ               ｄｕｒｉｎｇ               ｔｈｅ               ｓｅｃｏｎｄ               ｍｏｎｔｈ               ｏｆ               ｔｈｅ               ｍａｒｋｅｔ               ｍｅｌｔｄｏｗｎ               ｏｆ               2008,               Ｇｒｅｅｎｓｐａｎ               ｔｅｓｔｉｆｉｅｄ               ｔｈａｔ               ｈｅ               ｈａｄ               "ｆｏｕｎｄ               ａ               ｆｌａｗ"               ｉｎ               ｈｉｓ               ｍａｒｋｅｔ               ｉｄｅｏｌｏｇｙ,               ａｎｄ               ｃｏｎｃｅｄｅｄ               ｔｈａｔ               ｈｅ               ｈａｄ               ｂｅｅｎ               "ｐａｒｔｉａｌｌｙ"               ｗｒｏｎｇ               ｉｎ               ｏｐｐｏｓｉｎｇ               ｒｅｇｕｌａｔｉｏｎ               ｏｆ               ｄｅｒｉｖａｔｉｖｅｓ.

    Ｈｅ               ｎｅｖｅｒ               ｓａｗ               ｔｈｅ               2008               ｃｒｅｄｉｔ               ｃｒｉｓｉｓ               ｃｏｍｉｎｇ               ｗｈｅｒｅ               ｂａｎｋｓ               ｗｏｕｌｄ               ｓｕｄｄｅｎｌｙ               ｓｔｏｐ               ｌｅｎｄｉｎｇ               ｔｏ               ｅａｃｈ               ｏｔｈｅｒ,               ｔｏ               ｂｕｓｉｎｅｓｓ,               ａｎｄ               ｅｖｅｎｔｕａｌｌｙ               ｔｏ               ｙｏｕ,               ｔｈｅ               ｃｏｎｓｕｍｅｒ.

    9
                   Ａｌｓｏ               ｂｌａｍｅ               Ｄｒ.

    Ｂｅｎ               Ｂｅｒｎａｎｋｅ               ｈｉｓ               ｐｒｅｄｅｃｅｓｓｏｒ,               ｗｈｏ               ｉｔ               ｗａｓ               ｓａｉｄ               ｃｏｕｌｄｎ'ｔ               ｍｅａｓｕｒｅ               ｕｐ               ｔｏ               ｔｈｅ               ｇｒｅａｔ               Ａｌａｎ               Ｇｒｅｅｎｓｐａｎ.

    Ｔｈｅ               Ｆｅｄｅｒａｌ               Ｒｅｓｅｒｖｅ               Ｂｏａｒｄ               ｈａｄ               ｔｈｅ               ａｕｔｈｏｒｉｔｙ               ｔｏ               ｒｅｇｕｌａｔｅ               ｄｅｒｉｖａｔｉｖｅｓ,               ｓｕｂｐｒｉｍｅ               ｍｏｒｔｇａｇｅｓ               ｗｈｉｃｈ               ａｒｅ               ｍｏｒｔｇａｇｅ               ｒａｔｅｓ               ｓｅｔ               ａｂｏｖｅ               ｔｈｅ               Ｐｒｉｍｅ               Ｒａｔｅ               ａｎｄ               Ｎｉｎｊａ,               ｌｏａｎｓ,               ｗｈｉｃｈ               ａｒｅ               ｌｏａｎｓ               ｂａｓｅｄ               ｏｎ               ｎｏ               ｉｎｃｏｍｅ,               ｎｏ               ｊｏｂ,               ａｎｄ               ｎｏ               ａｓｓｅｔｓ,               ｂｕｔ               Ｄｒ.

    Ｂｅｎ               Ｂｅｒｎａｎｋｅ               ｆａｉｌｅｄ               ｔｏ               ｄｏ               ｓｏ.

    1
                   Ａｌｓｏ,               ｓｈａｒｉｎｇ               ｔｈｅ               ｂｌａｍｅ               ｉｓ               ａ               ｙｏｕｎｇ               ｌａｗｙｅｒ               ｉｎ               Ｉｌｌｉｎｏｉｓ,               ｎａｍｅｄ               Ｂａｒａｃｋ               Ｏｂａｍａ.

    Ｉｎ               1994,               ｈｅ               ｈｅｌｐｅｄ               ｔｏ               ｒｅｐｒｅｓｅｎｔ               Ｃａｌｖｉｎ               Ｒｏｂｅｒｓｏｎ               ａｇａｉｎｓｔ               Ｃｉｔｉｂａｎｋ,               ｃｈａｒｇｉｎｇ               ｔｈｅ               ｂａｎｋ               ｓｙｓｔｅｍａｔｉｃａｌｌｙ               ｄｅｎｉｅｄ               ｍｏｒｔｇａｇｅｓ               ｔｏ               Ａｆｒｉｃａｎ-Ａｍｅｒｉｃａｎ               ａｐｐｌｉｃａｎｔｓ               ａｎｄ               ｏｔｈｅｒｓ               ｆｒｏｍ               ｍｉｎｏｒｉｔｙ               ｎｅｉｇｈｂｏｒｈｏｏｄｓ.

    Ｄｉｄ               ｉｔ               ｒｅａｌｌｙ?

    Ｏｒ               ｄｉｄ               Ｃｉｔｉｂａｎｋ               ｊｕｓｔ               ａｓｋ               ｆｏｒ               ｐｒｏｏｆ               ｏｆ               ｉｎｃｏｍｅ?

    Ｔｈｉｓ               ｐｏｌｉｃｙ               ｏｆ               ｎｏｔ               ｒｅｑｕｅｓｔｉｎｇ               ｐｒｏｏｆ               ｏｆ               ｉｎｃｏｍｅ               ｉｓ               ｎｏｔ               ｓｏｕｎｄ,               10               ｂｕｔ               "ａ               ｓｅｌｆｉｓｈ               ｍａｎ               ｑｕａｒｒｅｌｓ               ａｇａｉｎｓｔ               ｅｖｅｒｙ               ｓｏｕｎｄ               ｐｒｉｎｃｉｐｌｅ               ｏｆ               ｃｏｎｄｕｃｔ               ｂｙ               ｄｅｍａｎｄｉｎｇ               ｈｉｓ               ｏｗｎ               ｗａｙ."3               Ａｎｙｗａｙ,               Ｂａｒａｃｋ               Ｏｂａｍａ               ｄｅｍａｎｄｉｎｇ               ｈｉｓ               ｏｗｎ               ｗａｙ               ｗｏｎ               ｈｉｓ               ｃａｓｅ.10
                   Ｏｋａｙ,               ｅｎｏｕｇｈ               ａｂｏｕｔ               ｔｈｅ               Ｐｒｅｓｉｄｅｎｔｉａｌ               ｃａｎｄｉｄａｔｅｓ,               ａｎｄ               ｔｈｅｉｒ               ｐａｒｔｉｅｓ,               ｌｅｔ'ｓ               ｍｏｖｅ               ｏｎ,               ａｎｄ               ｂｌａｍｅ               ｔｈｅ               ｈｏｍｅｏｗｎｅｒｓ,               ｔｈｅｍｓｅｌｖｅｓ.

    Ｎｏｔ               ｏｎｌｙ               ｔｈｅ               ｏｎｅｓ               ｔｈａｔ               ｌｉｅｄ               ａｂｏｕｔ               ｔｈｅｉｒ               ｉｎｃｏｍｅ,               ａｎｄ               ｂｏｕｇｈｔ               ｌａｒｇｅｒ               ｈｏｍｅｓ               ｔｈｅｎ               ｔｈｅｙ               ｃｏｕｌｄ               ａｆｆｏｒｄ.11               Ａｎｄ               ｎｏｔ               ｏｎｌｙ               ｔｈｅ               ｏｎｅｓ               ｔｈａｔ               ｃｏｈｏｒｔｅｄ               ｗｉｔｈ               ｓｌｉｃｋ               ａｐｐｒａｉｓｅｒｓ.

    Ａｎｄ               ｎｏｔ               ｏｎｌｙ               ｔｈｅ               ｏｎｅｓ               ｔｈａｔ               ｂｏｕｇｈｔ               ｈｏｕｓｅｓ               ｆｏｒ               ｉｎｖｅｓｔｍｅｎｔ               ｐｕｒｐｏｓｅｓ               ｏｎｌｙ,               ａｎｄ               ｄｒｏｖｅ               ｕｐ               ｔｈｅ               ｐｒｉｃｅｓ               ｗｉｔｈ               ｓｐｅｃｕｌａｔｉｏｎ.

    Ｂｌａｍｅ               ｔｈｅ               ｏｎｅｓ               ｗｈｏ               ｔｏｏｋ               ｌｏｗ               ＡＲＭ'ｓ,               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅｓ,               ｋｎｏｗｉｎｇ               ｔｈａｔ               ｔｈｅｙ               ｗｏｕｌｄ               ｇｏ               ｈｉｇｈｅｒ,               ａｎｄ               ｔｈａｔ               ｗｏｕｌｄ               ｌａｎｄ               ｔｈｅｍ               ｉｎ               ｄｅｆａｕｌｔ.

    Ｂｌａｍｅ               ｔｈｅ               ｈｏｍｅｏｗｎｅｒｓ               ｗｈｏ               ｓｈｏｕｌｄ               ｈａｖｅ               ｕｎｄｅｒｓｔｏｏｄ               ｗｈａｔ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅｓ,               ａｎｄ               ｓｕｂｐｒｉｍｅ               ｍｏｒｔｇａｇｅｓ               ｗｅｒｅ,               ｂｕｔ               ｌａｃｋｅｄ               ｔｈｅ               ｅｄｕｃａｔｉｏｎ               ｔｏ               ｕｎｄｅｒｓｔａｎｄ               ｔｈｅ               ｍｏｒｔｇａｇｅ               ｃｏｎｔｒａｃｔ.
                   Ｓｏ               ｗｈａｔ               ａｒｅ               ＡＲＭ'ｓ,               ｏｒ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅｓ?

    Ａｎ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅｓ               ｄｉｆｆｅｒ               ｆｒｏｍ               ａ               ｆｉｘｅｄ-ｒａｔｅ               ｍｏｒｔｇａｇｅ               ｉｎ               ｍａｎｙ               ｗａｙｓ.

    Ｗｉｔｈ               ａ               ｆｉｘｅｄ-ｒａｔｅ               ｍｏｒｔｇａｇｅ,               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｓｔａｙｓ               ｔｈｅ               ｓａｍｅ               ｄｕｒｉｎｇ               ｔｈｅ               ｌｉｆｅ               ｏｆ               ｔｈｅ               ｌｏａｎ.

    Ｗｉｔｈ               ａｎ               ＡＲＭ,               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｃｈａｎｇｅｓ               ｐｅｒｉｏｄｉｃａｌｌｙ               ｏｎ               ａ               ｐｒｅａｒｒａｎｇｅｄ               ｓｃｈｅｄｕｌｅ               ａｎｄ               ｕｓｕａｌｌｙ               ｉｎ               ｒｅｌａｔｉｏｎ               ｔｏ               ａ               ｐｒｅｄｅｔｅｒｍｉｎｅｄ               ｉｎｄｅｘ,               ａｎｄ               ｔｈｕｓ               ｐａｙｍｅｎｔｓ               ｍａｙ               ｇｏ               ｕｐ               ｏｒ               ｄｏｗｎ               ａｃｃｏｒｄｉｎｇｌｙ.
                   Ａｎｄ               ｗｈａｔ               ａｒｅ               ｓｕｂｐｒｉｍｅ               ｍｏｒｔｇａｇｅｓ?

    Ｔｈｅｙ               ａｒｅ               ｍｏｒｔｇａｇｅｓ               ｗｉｔｈ               ｒａｔｅｓ               ａｂｏｖｅ               ｔｈｅ               Ｐｒｉｍｅ               Ｒａｔｅ.

    Ｔｈｅ               Ｐｒｉｍｅ               Ｌｅｎｄｉｎｇ               Ｒａｔｅ               ｉｓ               ｔｈｅ               ｒａｔｅ               ｔｈａｔ               ｂａｎｋｓ               ｕｓｅ               ｔｏ               ｉｎｄｉｃａｔｅ               ｔｈｅ               ｒａｔｅ               ｏｆ               ｉｎｔｅｒｅｓｔ               ａｔ               ｗｈｉｃｈ               ｂａｎｋｓ               ｌｅｎｄ               ｔｏ               ｃｕｓｔｏｍｅｒｓ,               ｗｉｔｈ               ｔｈｅ               ｂｅｓｔ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ;               ｉｔ               ｉｓ               ｂａｓｅｄ               ｏｎ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｒｅｓｅｒｖｅ               Ｂｏａｒｄ               Ｆｅｄｅｒａｌ               Ｆｕｎｄ               Ｒａｔｅｓ.
                   Ｙｅｓ,               ｙｏｕ               ｓａｉｄ               ｔｈａｔ               ｍａｙ               ｂｅ               ｔｒｕｅ,               ｂｕｔ               ｔｈｅｙ               ｄｉｄｎ'ｔ               ｃｏｖｅｒ               ｔｈｉｓ               ｉｎ               ｈｉｇｈ               ｓｃｈｏｏｌ.

    Ｏｋａｙ,               ｓｏ               ｂｌａｍｅ               ｙｏｕｒ               ｓｃｈｏｏｌ               ｔｅａｃｈｅｒｓ,               ｗｈｏ               ｎｅｖｅｒ               ｔａｕｇｈｔ               ｙｏｕ               ｈｏｗ               ｔｏ               ｒｅａｄ               ａｎｄ               ｕｎｄｅｒｓｔａｎｄ               ａ               ｈｏｍｅ               ｏｗｎｅｒｓ               ｃｏｎｔｒａｃｔ.

    Ｏｒ               ｈｏｗ               ｔｏ               ｆｉｇｕｒｅ               ａ               ｍｏｒｔｇａｇｅ,               ｏｒ               ｅｖｅｎ               ｕｎｄｅｒｓｔａｎｄ               ｂａｓｉｃ               ｍａｔｈ.

    Ｏｒ               ｅｖｅｎ               ｈｏｗ               ｔｏ               ｂｕｄｇｅｔ,               ａｎｄ               ｌｉｖｅ               ｗｉｔｈｉｎ               ｙｏｕｒ               ｍｅａｎｓ.
                   Ｂｕｔ               ｗｈａｔ               ａｂｏｕｔ               ｐａｒｅｎｔｓ,               ｔｈｅ               ｏｔｈｅｒ               ｔｅａｃｈｅｒｓ               ｏｆ               ｔｈｅ               ｃｈｉｌｄｒｅｎ?

    Ｉｔ               ｈａｓ               ｂｅｅｎ               ｓａｉｄ,               "Ｔｅａｃｈ               ａ               ｃｈｉｌｄ               ｔｏ               ｃｈｏｏｓｅ               ｔｈｅ               ｒｉｇｈｔ               ｐａｔｈ,               ａｎｄ               ｗｈｅｎ               ｈｅ               ｉｓ               ｏｌｄｅｒ               ｈｅ               ｗｉｌｌ               ｒｅｍａｉｎ               ｕｐｏｎ               ｉｔ."3               Ｓｈｏｕｌｄ               ｗｅ               ｂｌａｍｅ               ｔｈｅ               ｐａｒｅｎｔｓ               ｆｏｒ               ｎｏｔ               ｔｒａｉｎｉｎｇ               ｔｈｅｉｒ               ｃｈｉｌｄｒｅｎ               ｔｏ               ｌｉｖｅ               ｗｉｔｈｉｎ               ｔｈｅｉｒ               ｍｅａｎｓ,               ａｎｄ               ｇｉｖｉｎｇ               ｔｈｅｉｒ               ｂａｂｙ               ｂｏｏｍｅｒ               ｃｈｉｌｄｒｅｎ               ｉｍｐｏｓｓｉｂｌｅ               ｅｘｐｅｃｔａｔｉｏｎｓ               ｏｆ               ｐｒｏｓｐｅｒｉｔｙ               ｆｏｒ               ａｌｌ?

    Ｐｒｏｍｉｓｉｎｇ               ｔｈｅｉｒ               ｃｈｉｌｄｒｅｎ               ａｓ               ｏｕｒ               ｍｏｓｔ               ｆａｍｏｕｓ               ｐｒｅｓｉｄｅｎｔ,               ＦＤＲ               ｄｉｄ               ｄｕｒｉｎｇ               ｔｈｅ               Ｇｒｅａｔ               Ｄｅｐｒｅｓｓｉｏｎ,               "Ａ               ｃｈｉｃｋｅｎ               ｉｎ               ｅｖｅｒｙ               ｐｏｔ";               ｏｒ               ｐｅｒｈａｐｓ               ａ               ｃｏｍｐｕｔｅｒ               ｉｎ               ｅｖｅｒｙ               ｈｏｍｅ.
                   Ａｎｄ               ｄｏｎ'ｔ               ｆｏｒｇｅｔ               ｙｏｕｒ               ｌｅａｄｅｒｓ               ｉｎ               ｔｈｅ               ｓｔａｔｅ               ｇｏｖｅｒｎｍｅｎｔ.

    Ｔｈｅ               ｏｎｅｓ               ｒｅｓｐｏｎｓｉｂｌｅ               ｆｏｒ               ｒｅｉｎｉｎｇ               ｉｎ               ｔｈｉｓ               ｃｒｅｄｉｔ,               ａｎｄ               ｓｐｅｎｄ               ｔｈｒｉｆｔ               ｓｏｃｉｅｔｙ.

    Ｗｅ               ｈａｖｅ               ｆｏｒｇｏｔｔｅｎ               ｔｈａｔ               "ｔｈｅ               ｗｉｓｅ               ｍａｎ               ｓａｖｅｓ               ｆｏｒ               ｔｈｅ               ｆｕｔｕｒｅ,               ｂｕｔ               ｔｈｅ               ｆｏｏｌｉｓｈ               ｍａｎ               ｓｐｅｎｄｓ               ｗｈａｔｅｖｅｒ               ｈｅ               ｇｅｔｓ,"               3               ａｎｄ               ｂｅｙｏｎｄ.

    Ｗｅ               ｈａｖｅ               ｔｈｉｓ               ｎｅｅｄ               ｔｏ               ｈａｖｅ               ｅｖｅｒｙｔｈｉｎｇ               ｒｉｇｈｔ               ｈｅｒｅ,               ｒｉｇｈｔ               ｎｏｗ.

    Ｂｌａｍｅ               ｔｈｅ               Ｓｔａｔｅ               ｌｅｇｉｓｌａｔｏｒｓ               ｗｈｏ               ｒｅｐｅａｌｅｄ               ｔｈｅ               ｕｓｕｒｙ               ｌａｗｓ.

    Ｆｏｒ               ｔｈｏｓｅ               ｗｈｏ               ｄｏｎ'ｔ               ｋｎｏｗ,               ｕｓｕｒｙ               ｉｓ               ｄｅｆｉｎｅｄ               ａｓ               ａｎ               ｅｘｏｒｂｉｔａｎｔ               ｏｒ               ｕｎｃｏｎｓｃｉｏｎａｂｌｅ               ｒａｔｅ               ｏｆ               ｉｎｔｅｒｅｓｔ.

    Ｓｔａｔｅｓ               ｕｓｅｄ               ｔｏ               ｌｉｍｉｔ               ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               ｉｎｔｅｒｅｓｔ               ｔｈａｔ               ｃｏｕｌｄ               ｂｅ               ｃｈａｒｇｅｄ               ｂｙ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ,               ｏｒ               ｍｏｒｔｇａｇｅ               ｌｅｎｄｅｒ               ｔｈｕｓ               ｐｒｏｔｅｃｔｉｎｇ               ｕｓ               ｆｒｏｍ               ｏｕｒｓｅｌｖｅｓ,               ａｎｄ               ｆｒｏｍ               ｏｔｈｅｒｓ               ｇｒｅｅｄ.

    Ｉｆ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ,               ｏｒ               ｌｅｎｄｅｒ               ｃｈａｒｇｅｄ               ａｂｏｖｅ               ｔｈａｔ               ｒａｔｅ               ｔｈｅｙ               ｗｅｒｅ               ｃｈａｒｇｅｄ               ｗｉｔｈ               ａ               ｕｓｕｒｙ               ｃｒｉｍｅ.
                   Ｄｏｎ'ｔ               ｂｌａｍｅ               ｏｕｒｓｅｌｖｅｓ               ｙｏｕ               ｓａｙ!

    Ｂｌａｍｅ               ｔｈｅ               Ｃｏｎｇｒｅｓｓ.

    Ｏｋａｙ,               ｓｏ               ｂｌａｍｅ               ｔｈｅ               ｃｕｒｒｅｎｔ               Ｃｏｎｇｒｅｓｓ,               Ｄｅｍｏｃｒａｔｓ,               ａｎｄ               Ｒｅｐｕｂｌｉｃａｎｓ               ａｌｉｋｅ.

    Ｔｈｅ               ｏｎｅｓ               ｗｈｏ               ｃｏｕｌｄ               ｈａｖｅ               ｒｅｃｔｉｆｉｅｄ               ｔｈｅ               ｍｉｓｔａｋｅ               ｏｆ               ｐａｓｓｉｎｇ               ｔｈｅ               Ｆｉｎａｎｃｉａｌ               Ｓｅｒｖｉｃｅｓ               Ｍｏｄｅｒｎｉｚａｔｉｏｎ               Ａｃｔ               ｏｆ               1999,ｗｈｉｃｈ               ｒｅｐｅａｌｅｄ               ｔｈｅ               Ｇｌａｓｓ-Ｓｔｅｇａｌｌ               Ａｃｔ               ｏｆ               1933.

    Ａｎ               ａｃｔ               ｔｈａｔ               ｏｕｒ               Ａｍｅｒｉｃａｎ               ａｎｃｅｓｔｏｒｓ               ｋｎｅｗ               ｗｏｕｌｄ               ｐｒｏｔｅｃｔ               ｕｓ               ｆｒｏｍ               ｏｕｒｓｅｌｖｅｓ,               ａｎｄ               ｏｕｒ               ｏｗｎ               ｇｒｅｅｄ.

    Ｔｈｅ               1933               Ｃｏｎｇｒｅｓｓ               ｗａｓ               ｌｏｏｋｉｎｇ               ａｈｅａｄ               ａｎｄ               ｐｒｏｔｅｃｔｉｎｇ               ｏｕｒ,               ｔｈｅ               ｆｕｔｕｒｅ               ｇｅｎｅｒａｔｉｏｎ'ｓ,               ｉｎｔｅｒｅｓｔｓ,               ｂｅｃａｕｓｅ,               "ｗｉｓｅ               ｍｅｎ               ａｌｗａｙｓ               ｌｏｏｋ               ａｈｅａｄ,               ｂｕｔ               ｔｈｅ               ｆｏｏｌ               ａｔｔｅｍｐｔｓ               ｔｏ               ｆｏｏｌ               ｈｉｍｓｅｌｆ,               ａｎｄ               ｗｏｎ'ｔ               ｆａｃｅ               ｆａｃｔｓ."3
                   Ａｎｄ               ｂｌａｍｅ               ｔｈｅ               ｃｕｒｒｅｎｔ               Ｃｏｎｇｒｅｓｓ               ｗｉｔｈ               ａ               Ｄｅｍｏｃｒａｔｉｃ               ｍａｊｏｒｉｔｙ               ｗｈｏ               ｃｏｕｌｄ               ｈａｖｅ               ａｐｐｌｉｅｄ               ｍｏｒｅ               ｏｖｅｒｓｉｇｈｔ               ｔｏ               Ｆａｎｎｉｅ               Ｍａｅ,               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ.

    Ａｎｄ               ｗｈｏ               ａｌｓｏ               ｃｏｕｌｄ               ｈａｖｅ               ｒｅｑｕｉｒｅｄ               ｔｈａｔ               ｔｈｅ               ｍｏｒｔｇａｇｅ               ｃｏｍｐａｎｉｅｓ               ｖｅｒｉｆｙ               ａｂｉｌｉｔｙ               ｔｏ               ｐａｙ               ｏｎ               ｔｈｅｉｒ               ｌｏａｎｓ               ｂｙ               ｏｖｅｒｔｕｒｎｉｎｇ               Ｔｈｅ               Ｃｏｍｍｕｎｉｔｙ               Ｒｅｉｎｖｅｓｔｍｅｎｔ               Ａｃｔ               ｏｆ               1977.
                   Ｂｕｔ               ｍｏｓｔ               ｏｆ               ａｌｌ               ｂｌａｍｅ               ｙｏｕｒｓｅｌｆ               ｆｏｒ               ｎｏｔ               ｂｅａｔｉｎｇ               ｄｏｗｎ               ｔｈｅ               ｄｏｏｒ               ｔｏ               ｙｏｕｒ               Ｃｏｎｇｒｅｓｓｍｅｎ               ｕｎｔｉｌ               ｔｈｅｙ               ｄｉｄ               ｓｏｍｅｔｈｉｎｇ,               ａｎｄ               ｆｏｒ               ｌｉｖｉｎｇ               ｂｅｙｏｎｄ               ｙｏｕｒ               ｍｅａｎｓ,               ａｎｄ               ｆａｉｌｉｎｇ               ｔｏ               ｔｅａｃｈ               ｙｏｕｒ               ｃｈｉｌｄｒｅｎ               ｔｏ               ｄｏ               ｔｈｅ               ｓａｍｅ.

    Ａｎｄ               ｂｌａｍｅ               ｙｏｕｒｓｅｌｆ               ｆｏｒ               ｄｉｔｃｈｉｎｇ               Ａｍｅｒｉｃａ               ｈｉｓｔｏｒｙ               ｃｌａｓｓ,               ｗｈｅｎ               ｙｏｕｒ               ｂｏｒｉｎｇ               ｎｏ               ｎｏｔｈｉｎｇ               ｔｅａｃｈｅｒ               ｃｏｖｅｒｅｄ               ｔｈｅ               1929               Ｓｔｏｃｋ               Ｍａｒｋｅｔ               Ｃｒａｓｈ,               ａｎｄ               ｔｈｅ               Ｇｒｅａｔ               Ｄｅｐｒｅｓｓｉｏｎ.

    Ａｎｄ               ｂｌａｍｅ               Ｖｉｃｅ               Ｐｒｅｓｉｄｅｎｔ               ｅｌｅｃｔ               Ｊｏｅ               Ｂｉｄｅｎ,               ｗｈｏ               ｌａｃｋｅｄ               ｅｎｏｕｇｈ               ｈｉｓｔｏｒｉｃａｌ               ｋｎｏｗｌｅｄｇｅ               ｎｏｔ               ｔｏ               ｋｎｏｗ               ｗｈｏ               ｗａｓ               ｒｅａｌｌｙ               ｔｈｅ               Ｐｒｅｓｉｄｅｎｔ               ｄｕｒｉｎｇ               ｔｈｅ               1929               ｃｒａｓｈ               (Ｎｏｔ               Ｆｒａｎｋｌｉｎ               Ｄｅｌａｎｏ               Ｒｏｏｓｅｖｅｌｔ               ａｓ               Ｊｏｅ,               ｔｈｅ               Ｓｉｘ               Ｔｅｒｍ               Ｓｅｎａｔｏｒ               ｃｌａｉｍｅｄ,               ｂｕｔ               Ｈｅｒｂｅｒｔ               Ｈｏｏｖｅｒ).12
                   Ａｎｄ               ｂｌａｍｅ               ｙｏｕｒｓｅｌｆ               ｆｏｒ               ｉｎｖｅｓｔｉｎｇ               ｉｎ               Ｆａｎｎｉｅ               Ｍａｅ,               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ,               "ｆｏｒ               ｔｈｅ               ｗｏｒｌｄ'ｓ               ｐｏｏｒｅｓｔ               ｃｒｅｄｉｔ               ｒｉｓｋ               ｉｓ               ｔｈｅ               ｍａｎ               ｗｈｏ               ａｇｒｅｅｓ               ｔｏ               ｐａｙ               ａ               ｓｔｒａｎｇｅｒ'ｓ               ｄｅｂｔｓ."3               Ａｎｄ               ｂｌａｍｅ               ｙｏｕｒ               ｓｔｏｃｋ               ｂｒｏｋｅｒｓ,               ｔｈｅ               ｉｎｖｅｓｔｍｅｎｔ               ｂａｎｋｓ,               ｔｈｅ               ｍｏｒｔｇａｇｅ               ｃｏｍｐａｎｉｅｓ,               ａｎｄ               ｔｈｅ               ｅｎｔｉｒｅ               ｆｉｎａｎｃｉａｌ               ｗｏｒｌｄ               ｆｏｒ               ｇｅｔｔｉｎｇ               ｃａｕｇｈｔ               ｕｐ               ｉｎ               ｏｕｒ               ｍｏｄｅｒｎ               ａｇｅ               ｓｔｏｃｋ               ｍａｒｋｅｔ               ｆｒｅｎｚｙ.

    Ｉｎ               ｗｈａｔ               Ａｌａｎ               Ｇｒｅｅｎｓｐａｎ,               ｆｏｒｍｅｒ               ｃｈａｉｒ               ｏｆ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｔｒａｄｅ               Ｃｏｍｍｉｓｓｉｏｎ               ｏｎｃｅ               ｃａｌｌｅｄ               ｉｎ               ａ               ｓｐｅｅｃｈ               ｇｉｖｅｎ               ｉｎ               1996,               ｔｈｅ               ｓｔｏｃｋ               ｍａｒｋｅｔ'ｓ               "ｉｒｒａｔｉｏｎａｌ               ｅｘｕｂｅｒａｎｃｅ               ｏｎ               ａｓｓｅｔ               ｖａｌｕｅｓ",8               ｏｒ               ｔｏ               ｐｕｔ               ｉｔ               ａｎｏｔｈｅｒ               ｗａｙ,               "ｔｒｕｓｔ               ｉｎ               ｙｏｕｒ               ｍｏｎｅｙ               ｄｏｗｎ               ｙｏｕ               ｇｏ."3               Ｓｏ               ａｌｌ,               ｙｅ               Ｄｅｍｏｃｒａｔｓ,               Ｒｅｐｕｂｌｉｃａｎｓ,               ｐｏｌｉｔｉｃｉａｎｓ,               ｃｉｖｉｌ               ｓｅｒｖａｎｔｓ,               ａｎｄ               ｃｉｔｉｚｅｎｓ               ｂｌａｍｅ               ｙｏｕｒｓｅｌｆ!
                   Ａｎｄ               ｌａｓｔｌｙ               ｂｌａｍｅ               Ｐｒｅｓｉｄｅｎｔ               Ｇｅｏｒｇｅ               Ｗ.

    Ｂｕｓｈ,               ｂｅｃａｕｓｅ               ａｓ               Ｐｒｅｓｉｄｅｎｔ               Ｈａｒｒｙ               Ｔｒｕｍａｎ               ｓａｉｄ               ａｓ               ｆａｒ               ｂａｃｋ               ａｓ               1952,               "Ｔｈｅ               ｂｕｃｋ               ｓｔｏｐｓ               ｈｅｒｅ."13
                   Ｒｅｆｅｒｅｎｃｅｓ
                   1               Ｓｔｅｖｅ               Ｓａｎｇｈｉ,               "Ｐｌａｃｉｎｇ               Ｂｌａｍｅ               ｉｎ               Ｆｉｎａｎｃｉａｌ               Ｃｒｉｓｉｓ",               Ｔｈｅ               Ａｒｉｚｏｎａ               Ｒｅｐｕｂｌｉｃ,               Ｐｈｏｅｎｉｘ,               ＡＺ,               Ｏｃｔｏｂｅｒ               19,               2008.
                   2               "Ｓｔｏｃｋ               Ｍａｒｋｅｔ               Ｃｒａｓｈ-Ｔｈｅ               Ｆｉｒｓｔ               Ｍｅａｓｕｒｅｄ               Ｃｅｎｔｕｒｙ,               Ｐｕｂｌｉｃ               Ｂｒｏａｄｃａｓｔｉｎｇ               Ｓｅｒｖｉｃｅ,               ©               1995               -               2008,               ｗｗｗ.ｐｂｓ.ｏｒｇ/ｆｍｃ/ｔｉｍｅｌｉｎｅ/ｅｓｔｏｃｋｍｋｔｃｒａｓｈ.ｈｔｍ
                   3               Ｓｃｒｉｐｔｕｒａｌ               Ｑｕｏｔａｔｉｏｎｓ               ｔａｋｅｎ               ｆｒｏｍ               Ｐｒｏｖｅｒｂｓ               16:18,               14:7,               16:29,               18:1,               22:6,               21:20,               14:18,               27:13,               11:28,               Ｔｈｅ               Ｗａｙ,               Ｔｈｅ               Ｌｉｖｉｎｇ               Ｂｉｂｌｅ               Ｉｌｌｕｓｔｒａｔｅｄ               Ｅｄｉｔｉｏｎ,               Ｔｙｎｄａｌｅ               Ｈｏｕｓｅ               Ｐｕｂｌｉｓｈｅｒｓ,               Ｗｈｅａｔｏｎ,               Ｉｌｌｉｎｏｉｓ,               ©               1977.
                   4               Ｓｔａｎｌｅｙ               Ｋｕｒｔｓ,               "ＭｃＣａｉｎ               Ｍａｎ               Ｇｒａｍｍ               ｔｏ               Ａｍｅｒｉｃａｎ,               Ｙａｈｏｏ               Ｎｅｗｓ,               Ｓｔｏｐ               Ｗｈｉｎｉｎｇ",               Ｎｅｗｓ-Ｙａｈｏｏ.ｃｏｍ,               ©               2008,               ｎｅｗｓ.ｙａｈｏｏ.ｃｏｍ/ｓ/ｔｈｅｎａｔｉｏｎ/20080710/ｃｍ_ｔｈｅｎａｔｉｏｎ/453361
                   5               "Ｏ'ｓ               Ｄａｎｇｅｒｏｕｓ               Ｐａｌｓ,               Ｂａｒａｃｋ'ｓ               Ｏｒｇａｎｉｚｅｒ               Ｂｕｄｓ               Ｐｕｓｈｅｄ               ｆｏｒ               Ｂａｄ               Ｍｏｒｔｇａｇｅｓ",               Ｎｅｗ               Ｙｏｒｋ               Ｐｏｓｔ,               Ｓｅｐｔｅｍｂｅｒ               29,               2008,               ｗｗｗ.ｎｙｐｏｓｔ.ｃｏｍ/ｓｅｖｅｎ/09292008/ｐｏｓｔｏｐｉｎｉｏｎ/ｏｐｅｄｃｏｌｕｍｎｉｓｔｓ/ｏｓ_ｄａｎｇｅｒｏｕｓ_ｐａｌｓ_131216.ｈｔｍ?ｐａｇｅ=0
                   6               Ｃａｔｈｅｒｉｎｅ               Ｒｅｇｏｒ,               "Ｂｉｇ               Ａｒｉｚｏｎａ               Ｍｏｒｔｇａｇｅ               Ｆｒａｕｄ               Ｂｕｓｔ",               Ｔｈｅ               Ａｒｉｚｏｎａ               Ｒｅｐｕｂｌｉｃ,               Ｐｈｏｅｎｉｘ,               ＡＺ,               Ｊｕｎｅ               19,               2008,               ｗｗｗ.ａｚｃｅｎｔｒａｌ.ｃｏｍ/ｂｕｓｉｎｅｓｓ/ａｒｔｉｃｌｅｓ/2008/06/19/20080619ｍｏｒｔｇａｇｅｆｒａｕｄ0619-ＯＮ.ｈｔｍｌ
                   7               Ｔｈｏｍａｓ               Ｈｅａｔｈ,               ａｎｄ               Ｄｉｎａ               Ｅｌｂｏｕｇｈｄａｄｙ               ,               "Ｖｅｔｅｒａｎ               Ｆｉｎａｎｃｉｅｒｓ               ｔｏ               Ｈｅａｄ               Ｆａｎｎｉｅ,               Ｆｒｅｄｄｉｅ",               Ｗａｓｈｉｎｇｔｏｎ               Ｐｏｓｔ.ｃｏｍ               ,               Ｓｅｐｔｅｍｂｅｒ               8,               2008,               ｗｗｗ.ｗａｓｈｉｎｇｔｏｎｐｏｓｔ.ｃｏｍ/ｗｐ-ｄｙｎ/ｃｏｎｔｅｎｔ/ａｒｔｉｃｌｅ/2008/09/07/ＡＲ2008090702313.ｈｔｍｌ
                   8               "Ｈｉｓｔｏｒｙ               ｏｆ               ｔｈｅ               Ｔｒｅａｓｕｒｙ",               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｔｈｅ               Ｔｒｅａｓｕｒｙ,               Ｏｆｆｉｃｅ               ｏｆ               ｔｈｅ               Ｃｕｒａｔｏｒ,               ©               2001,               ｈｔｔｐ://ｗｗｗ.ｕｓｔｒｅａｓ.ｇｏｖ/ｅｄｕｃａｔｉｏｎ/ｈｉｓｔｏｒｙ/ｓｅｃｒｅｔａｒｉｅｓ/ｒｅｒｕｂｉｎ.ｓｈｔｍｌ
                   9               "ＮＤＢＤ,               Ｔｒａｃｋｉｎｇ               ｔｈｅ               Ｗｏｒｌｄ",               Ｓｏｙｌｅｎｔ               Ｃｏｍｍｕｎｉｃａｔｉｏｎｓ,               ©               2006,               ｗｗｗ.ｎｎｄｂ.ｃｏｍ/ｐｅｏｐｌｅ/164/000023095/
                   10               Ａｂｄｏｎ               Ｍ.

    Ｐａｌｌａｓｃｈ,               "Ｓｔｒｏｎｇ,               Ｓｉｌｅｎｔ               Ｔｙｐｅ",               Ｃｈｉｃａｇｏ               Ｓｕｎ               Ｔｉｍｅｓ,               Ｄｅｃｅｍｂｅｒ               17,               2007,               ｗｗｗ.ｓｕｎｔｉｍｅｓ.ｃｏｍ/ｎｅｗｓ/ｐｏｌｉｔｉｃｓ/ｏｂａｍａ/700499,ＣＳＴ-ＮＷＳ-Ｏｂａｍａ-ｌａｗ17.ａｒｔｉｃｌｅ
                   11               Ａｓｓｏｃｉａｔｅｄ               Ｐｒｅｓｓ,               "Ｌｉａｒ               Ｌｏａｎｓ               Ｍａｙ               Ｐｒｏｌｏｎｇ               Ｍｏｒｔｇａｇｅ               Ｃｒｉｓｉｓ",               Ｔｈｅ               Ａｒｉｚｏｎａ               Ｒｅｐｕｂｌｉｃ,               Ａｕｇｕｓｔ               19,               2008,               ｗｗｗ.ａｚｃｅｎｔｒａｌ.ｃｏｍ/ｂｕｓｉｎｅｓｓ/ａｒｔｉｃｌｅｓ/2008/08/18/20080818ｂｉｚ-ｌｉａｒｌｏａｎｓ18-ＯＮ.ｈｔｍｌ
                   12               Ｄｏｎ               Ｆｒｅｄｅｒｉｃｋ,               ａｎｄ               Ａｎｄｒｅｗ               Ｍａｌｃｏｌｍ,               "Ｊｏｅ               Ｂｉｄｅｎ'ｓ               Ｈｉｓｔｏｒｙ               Ｌｅｓｓｏｎ               Ｏｆｆ               ｂｙ               4               Ｙｅａｒｓ,               ａｎｄ               1               Ｐｒｅｓｉｄｅｎｔ               Ｂｕｔ               Ｏｔｈｅｒｗｉｓｅ               Ｐｒｅｔｔｙ               Ａｃｃｕｒａｔｅ,               Ｔｏｐ               Ｔｉｃｋｅｔ,"               Ｌｏｓ               Ａｎｇｅｌｅｓ               Ｔｉｍｅｓ,               ©               2008.
                   13               "Ｔｈｅ               Ｂｕｃｋ               Ｓｔｏｐｓ               Ｈｅｒｅ               Ｄｅｓｋ               Ｓｉｇｎ,"               Ｈａｒｒｙ               Ｓ.

    Ｔｒｕｍａｎ               Ｌｉｂｒａｒｙ               &               Ｍｕｓｅｕｍ,               ｗｗｗ.ｔｒｕｍａｎｌｉｂｒａｒｙ.ｏｒｇ/ｂｕｃｋｓｔｏｐ.ｈｔｍ,               Ｉｎｆｏｒｍａｔｉｏｎ               ｏｎ               ｗｅｂｓｉｔｅ               ｔａｋｅｎ               ｆｒｏｍ               Ｍｉｔｆｏｒｄ               Ｍ.

    Ｍａｔｈｅｗｓ,               ｅｄ.,               Ａ               Ｄｉｃｔｉｏｎａｒｙ               ｏｆ               Ａｍｅｒｉｃａｎｉｓｍｓ               ｏｎ               Ｈｉｓｔｏｒｉｃａｌ               Ｐｒｉｎｃｉｐｌｅｓ               (Ｃｈｉｃａｇｏ,               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｃｈｉｃａｇｏ               Ｐｒｅｓｓ,               1951),               Ｉ,               ｐａｇｅｓ               198-199.






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