There is no place for identifying any specific group. Let us all drop this topic of discussion. If I were going to blame anyone it would be those that mixed asset backed paper and grouped them into AAA assets and sold high risk unsecured assets with the good ones. I would blame those that flipped mortgages knowing full well that people did not have the income to pay off their mortgages. Now it really does not matter. It will take time to fix up the international credit market and we at liberty may just become another victim.