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Part of the fallout from the mortgage meltdown is the debate on what constitutes a qualified mortgage. [See "Regulators Discussing Definition of Qualified Mortgages, cutimes.com, March 3.]

The simplistic view is that all of our problems will be resolved if we just have 80% loan-to-value ratio loans. This is the best reason why government should not try to solve our problems. The solution is truly the responsibility of the people who have to live with the solution and who do not have a political agenda. I was happy to read that at least one congressman spoke out on the issue that 80% LTV is only part of the solution.

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