Once the crap hit the fan, everyone pointed fingers at each other...yes, the same ones on both sides of the isle who had beat their chests about the record levels of home ownership and particularly the level of home ownership among blacks and other minorities. Then, the coup de gras...in the government's feeble attempts to placate the people who demanded "Something be done!", they have fortified the institutions that they were supposed to be harnessing and reprimanding. Dodd-Frank has served no other real purpose than to eliminate much of the competition that the big banks face in local and regional banks as they can not afford to comply with the new regulations.
So, the government took a functional and strong economy during the Clinton years and "tweaked" it to pander to a demographic. In doing this, they ignited a furious economic bubble that brought unimaginable wealth and prosperity for a little while. The party didn't last long though and most of the wealth turned out to be bad debt. The bad debt was then transferred to the taxpayers as was the burden of the people who lost their jobs in the wake of the fiasco. Like I have said all along, keep the government's hands off of the economy and control their spending and we won't likely find ourselves in the disaster that we are in.
Romney is a RINO (Republican In Name Only). He is conservative by Massachusetts standards but certainly not by rural South Texas standards. I do think he is a very good businessman and has a very strong grasp of the economy that very few people could equal. So, I will cast my vote for him and hope he can right the ship. You, my friend, will have to choose your own course. Hopefully, I have given you something to think about anyway. That is why I enjoy reading, debating, and discussing politics, religion, the economy and such because I can learn and make decisions with the greatest amount of information possible.