I dont agree with it,why should we be responsible for people that made bad choices? The housing situation is what got us in this mess, because of stupid people in america, that buy stuff they cant afford.Im with paul i dont see how that is fair for someone to get a better intrest rate then me, i have never missed or made a late pymt and now i will get stuck with a high rate then someone that is about too loose their house!!! F THAT!