imho who called who first doesn't matter, they both found out very quickly what matters is their plans on how to fix it. and i want to offer just my opinion what was said in post above me. About making it easier for big coorperations to finance and harder for us to finance...financing is what got us into this mess in the first place, the whole drive with 'every deserves to own a home' then taking chances on higher-risk loans well the harsh truth is not everyone deserves to own a home, some simply are not responsible enough for that. They chose to take risks on these people, and now they are suffering the consequences from it. I equate it to saying that a high-school graduate deserves to drive a mercedes so you should lend it to him...after all he has a job at the gas station he can make the payments(barely) but then something happens...can he afford to fix it? nope. Not such a good idea after all oops. He is not in a position for that kind of responsibility neither were these people that the banks took chances on for high-risk loans oops. Now onto the 'financial' crisis we are in, i mean gas prices are almost $4 a gallon!!!!...oh wow it's doomsday. no one has any money left over, we are all broke...yet somehow the movie industry still brings in multi-million dollar profits in one weekend, we need to reevaluate how we are spending our money. The stock market is going to crash oh nooo...well you can't make the stock market crash, what causes it to crash is people making a run on it at the first sign of trouble and selling their shares, well what happens if everyone starts to do that? then it crashes...when if they would just hang on to them and ride out the storm it wouldn't crash. Also people freaking out and making runs on the banks and pulling their money out..that is what will cause a depression. What happens if we all do that? well then the banks have no money, they can't afford to pay their bills and investments. That is after all how banks make their money, they put your money to work for them, well if we take it all out thats when the problems start. In short, Panic is what is going to cause a major problem, and unfortunatly that is what our news teams specialize in Panic and suspense we are so conditioned to do everything the media is saying that people have lost the ability to think for themselves.