The under-currents were (and are) predatory lending of money, allowed by the banks who bought the shaky mortgages in order to meet the levels of these loans that were mandated by the US CONGRESS under the guise of being kind to the poorer folks.
As long as everyone responsible is ducking that responsibility by pointing the bony finger of blame at the duped borrowers, and the rule requiring the risky loans remains in effect, don't look for light at the end of the tunnel.
I am amazed that the group who has the reputation of take from the rich and give to the needy, when given a free hand to spend as recklessly as possible, took from everyone and gave it all to the richest on the planet with few restrictions. Go figure, but problems are solved by fixing the cause; notice that a trillion $US has had no effect - must have applied the salve to the wrong wound.
As long as the REAL under-currents go un-admitted, the congress will keep paying off the folks who know the truth. At present however, the suffering grows. CJM
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I do not 'know it all', but i will admit that I would like to. CJM
There are various strategies of marketing to increase the sales ratio. But Viral and pull marketing strategy is very beneficial for companies to enhance their sales ratio.
Snoreta
Not to sure what you are trying to say..I mean is it or is it not.
Anyhow I know I am rambling but try to see it from someone reading it the first time without thinking about it first.
The housing market has to be stabilized first. Write downs are painful but the longer you delay, the greater the pain. Get families off the streets and in the revalued homes. Small rent payments are better than no rent payments. Next, salaries have to be reduced and middle men eliminated. The quicker the painful steps are taken, the quicker we reach the turn around point. Real leaders face up to and do what has to be done. If our leaders don't act, the market place will do it, but at a much slower and more painful pace.