The article is fine as far as it goes, but there is nothing in the article to explain why we are having a crisis in the "subprime" housing market right now (as opposed to some other market or at some other time). And why did it start here and not elsewhere? Nowhere does it mention the Community Reinvestment Act of 1995, which required banks to "reinvest" into the "community" -- or face reprisals. "reinvest" they did, with "subprime", i.e., junk, loans -- $2.2 trillion worth, that are now bringing world markets to their knees.