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Bob,
sorry for meddling into discussion, just humble opinion:
"Second question: What do you believe needs to be done to cure the
problem? We are beginning to see the depth of the sub-prime problem so
that is coming into focus but what else needs to happen so the credit
markets can become functional again?"
Actually, it's not just "subprime" problem. Please, take time to read
the following article:
http://blogs.marketwatch.com/greenberg/2007/12/straight-talk-on-the-
mortgage-mess-from-an-insider/?mod=yahoo_hs
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