Not to sound like a broken record, but the roots of the credit crisis are explored in this fine article by Stanley Kurtz, who is a real patriot. He went to UIC to dig through the records of the Chicago Annenberg Challenge, was blocked, kept fighting, and then, when on Milt Rosenberg's radio show to discuss what he found, was the recipient of constant berating by Obamabots who were told to call in and flood the lines, which they did.
Kurtz adds some atmospheric elements, of which I was previously unaware, going back to the mid-'90's, documenting the kind of thuggishness that Obama not merely welcomes, but has trained others to engage in. In short: CRA, ACORN, congressional Democrats, Obama -> credit crisis. But this all about the failure of deregulation, right?