I recently learned about your book and this website through an online article regarding the latest bailouts. I will be heading out to purchase your book in the short term. I was a market participant in the title insurance arena for 15 years. I left the industry to pursue a long-standing desire to work in criminal prosecution, which unfortunately allows me to continue to work with a few of the overzealous real estate market participants.

Your suggestion that “a comprehensive solution that addresses every level of the food chain is the key to fixing the mortgage industry” is spot on in my opinion. You might want to check out www.oaita.org, which is an organization that shares your principals and goals (only in the title insurance sector of the market).

If a large enough group of people with power (real or perceived) in the industry unite towards this common goal, I think it will be accomplished.

The “get out of jail free” card is being overutilized by the government. How will the market learn from its mistakes if Uncle Sam keeps bailing them out? And isn’t it just postponing the inevitable? I, for one, would just like the market to finally hit bottom so we can breathe a sigh of relief, roll up our sleeves and start rebuiding a future based on good lending practices and sound business ethics.