"Joe the Plumber" isn't technically a plumber, and he probably wouldn't be adversely affected? by Barack Obama's tax plan. But that doesn't mean the issues he raises aren't important.
You need to look at the Community Reinvest Act. Google it. Look at the changes made in 1995 before you blame the Bush admin. Also, look at who tried to make changes to add oversight but were blocked. Read about it and you will see the Democrats pushed this wonderful CRA act which is the root cause of the mess we are in.
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