Aparaami, wait til Monday to settle this. :)

I think the politicians are the root of the problem, as they have bred this idea that everyone deserves a house. This is where the problem has started, and the financial crisis is the ultimatum of this so called "dream".

In case anyone is searching up the banks, Federal Funds Rate may come out a lot.

The interest rate that banks charge each other for the use of Federal funds. It changes daily and is a sensitive indicator of general interest rate trends. The Federal funds rate is one of the of two interest rates controlled by the Fed. While the Fed can't directly affect this rate, it effectively controls it in the way it buys and sells Treasuries to banks. This is the rate that reaches individual investors, though the changes usually aren't felt for a period of time.

Source:http://www.investorwords.com/1902/Federal_funds_rate.html