Conversely, I started talking about the Community Reinvestment Act's role in the mortgage meltdown in August 2007, but by the time John McCain picked that idea up in the fall of 2008, I had gotten bored with it because I couldn't figure out a solid answer to the response, "Who held a gun to the heads of these big bankers and made them make loans to deadbeats?" Now, I've finally figured out what really happened, but who wants to hear about it now?