down in '08? >> yes, overborrowing, and extension of credit. you as a shady or opportunistic mortgage broker could buy into the animal spirits of people who shouldn't have bought a home in the first place, and then you could pass that down and securitize that on wall street and sell it to investors, so it was no one's problem, and yet it was everyone's problem, because ultimately the taxpayer was on the hook and u.s. government, and congress, and federal reserve had to backstop the banks, because the banks had the entire global economy hostage. >> let's talk about predator lending. about 6 million americans are still under water, and jorge says: