I've been following the whole mortgage meltdown and loan modification debacle for so long now that all I dream about anymore is people losing their homes, and bankers being sent to serve time at Guantanamo... the latter, of course, being the good dreams.

Following this continually unfolding mess would be annoying enough even if our elected officials were handling it competently, but add in the "clown factor," as I now refer to it...

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