I wonder if they understand that adjustable rate mortgage could go up if the stock market changed? I wonder did these poor people know the difference between ARM mortgages and conventional mortgages? Never get a home loan with out a down payment. How can public official help the mortgage crisis? I can't see no court in the land overturning a sign contract. I fault the people for not doing their home work and the loan officer for selling people something that they could not afford. What do you think? should people be bail out of this housing mess?