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Of getting a mortgage is overly complicated there are hidden clauses and complex terms. >> yeah. jenna: he didnt use the words victims, i dont want to put words in the presidents mouth that the consumer was hurt badly of irresponsible actions by others. where does consumer responsibility, lie, steve, when we look at recovering from this financial crisis and how should we be looking at that? >> that is a really great question. the president, he didnt use the word victim but i will. i think he des...