and alan greenspon, disciple of vineland from the true story, flood the markets with cheap credit and i'll bet money that it ran on wall street goes into real estate and lending and mortgages and it's not just the american tree and many more to a liberty and pursuit of happiness. you've got to have a house. if you don't sell the house every couple years are not being a tragic and you need to flip houses. it seems so long ago after robert ran through and yet it was just yesterday when this radical change comes about. this changes the capital markets completely ups the stakes for wamu and reveals tremendous fault lines. >> saw this money is flooding the system and it essentially becomes the wild west adding california specifically in terms of mortgage lending. so for this book, one of the most eye-opening parts is when i spent a good month in california interviewing loan officers and mortgage brokers who were part of this craziness at the time. it is not an exaggeration when i say that literally dead people reputed mortgages. in fact, there is this -- i couldn't believe it when i heard