The banks are complaining that people didnt pay their bills. Who here, in the last three years, received fewer than 300 unsolicited credit card pre-approvals? I got so many I used to swap the guts into the others return envelopes and send them back blank a dozen at a time, just to cost them handling costs. These are companies who feel free to change interest rated on money loaned a year ago. Remember the exposes in which they said 'its in the agreement!" These people have more lobyists than there are reps. No one is more in control of the credit worthiness of the consumer market than these banks. Now that their business plans have failed they blame others? A precondition of any gove money is the firing for cause, without parachute of the entire board and top management. Door hits ass and they go home with nothing.