Makes sense to me. But given our mindset that retail politics is about keeping the good times rolling, how do we back down from this precipice with minimal damage to our fragile social fabric? Returning to the days of 20%-down mortgages that don't exceed 35% of net income will not be an easy sell. Nor is a return of government guarantees to banks to traditional debt-to-equity ratios on anyone's playbook I see. Quite the opposite.