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The foreclosure or the real estate crisis. these are people who are doing ok who get to refinance at a lower rate. that's nice. that's great. but it's more campaign rhetoric that says hey, i did something, whether it really doesn't move the needle. >> a lot of people say hey, you know what? everything was good for me. under these new rules, i can't refinance my loan to something more atenable and they're forcing fannie and freddie who are not solvent to do just that. to give loans to people they didn't want to. >> well, in this case, it's people who are current so probably freddie and fannie w...