i am directing hud secretary sis fair rose to develop -- cisneros to develop a plan to boost homeownership to an all-time high in the united states before the century is out. >> sean: that was former president clinton launching the homeowners hit program that many say spark the 2008 financial meltdown. reckless indangererment, the new book by "new york times" reporter gretchen morganson. she will join us in just a moment. she chronicles how clinton's homeowner's hit initiative encouraged fannie mae and freddie mac to make risky loans to people who could not pay them. they needed help from law make hers who allowed them to toss out mortgage requirements,