maybe Wall Street committed crimes, maybe they didn’t- but I promise you, if you took out a loan legitimately, nothing fabricated, and walked out with your equity immediately, prosecutors would come after you for mortgage fraud during that time. I told my clients there’s no law criminally that makes you pay the mortgage. If you cash out your equity and tomorrow let the house go into foreclosure, that’s a civil issue. Plenty of lawyers argued that successfully but it doesn’t matter at that point because you spent how much to defend yourself? But in return, I’m sure there were plenty of quick plea deals. In reality, it’s easier to go after the homeowner than the Wall Street guy with deep pockets. What do you think? Want to spend $3 million in county funds to prosecute one person? Where do you think that money for that comes from?