Federal Laws that mandate banks make loans to people who can't afford them is not free enterprise, it's socialist legislation. Read up on the CRA from the Carter Administration. Fannie and Freddie are both unconstitutional enterprises and willingly complicit in both CRA and the inevitable bubble that burst in the housing market. With a potential commercial real estate bubble to follow yet to come. Runaway taxes and welfare programs propped up by ever increasing inflation and devaluation of the national currency are trademarks of the socialist society. Honestly Chris, what more do you need to call the liberal agenda National Socialism? The 2nd Amendment is the guarantee of all of the others. The gun rights enthusiasts know this, and for sure the liberal and socialist movements know it too, but the more people drink the kool-aid the further they get their campaign of lies and destroying America from inside. Brent