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I was going to try to think of some way to properly comment on this, but my wife said it best:
“It’s good to know there’s a country stupider than us.”
How is a $300,000,000,000 housing bill supposed to help us be responsible with our money? If anything, this encourages me to let my house payments get behind. After all, the government will bail me out. The bill punishes responsible homeowners by forcing us to use our taxes to help those who bit off more house than they could chew.