We are suddenly told that there is a terrible crisis that requires immediate dramatic action. In the case of 9/11 that resulted in the quick passing of the Patriot Act and the invasion of Afghanistan followed by the invasion of Iraq. In this case it has resulted in the Fannie Mae/Fannie Mac bailout and the AIG purchase by the federal government. A proposal is on the table to purchase weak and failing securities backed by failing mortgages. I've always wondered why the CIA/FBI had no inkling about the pending 9/11 attacks especially since the perpetrators were identified within a day or so of the attacks. In this case hasn't the Fed, HUD (which regulates FM/FM), and the Dept. of the Treasury been aware of a coming crisis? I've seen Congressmen on both sides of the aisle propose changes as far back as 2003. Why are we once again presented with a crisis that didn't need to happen with adequate oversight? Is there a pattern here?