Financial Crisis

I would be the first to admit that I am no expert on the economy, or financial matters. The whole banking crisis does not make sense to me, until a great article comes along that seems to really ring true and provide the background to understand the cause. It does not come as any surprise that Congress is at the bottom of all this. People ascribe a lot of government activity to the President, but Congress is really the branch of government with the power, the power to tax, the power to spend, the power to regulate. I don't think they know what to do with that power.