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Significantly it s virtually the same thing, isn t it? you are prolonging the housing crisis. but what you re doing here is putting enormous pressure on the banks to get in a littleo give in a little, hey, you ve messed up the paper work, give in a little, and megyn, we do have some evidence that that is smarting starting. in las vegas, bank of america is modifying the interest rate that some dispressed distressed homeowners pay, droping dropingt to 3 1/2%. they ve giving a little. megyn: it s controversial, though, because the people who pay their mortgages aren t having their interest rates lowered. in las vegas, if you are a troubled homeowner with bank of america, you can probably get your home loan rate down to 3 1/2%. megyn: but if you pay your morton time. if you re a 30-year fixed rate loan holder and you pay on time, you don t. megyn: that s what led to the birth of the tea party, right? it s called moral hazard. megyn: that s what started things off. anyway, thank y ....