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Wow, this is so true. How are we ever going to bounce back from this if lenders are not giving out loans. I don't think bail-outs are the answer either no matter if it is the lender or the homebuyer. But I can't imagine that the banks and lenders can hold off making profits with all the foreclosures hanging over their heads. Some incentives like temporary tax breaks for investors may be a helpful boost for the lending industry and inturn it will pass on the good will to the consumer. Just a thought.