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The Basel Accord was a major step towards greater international uniformity of banking regulation ( convergence ) among developed nations.

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Guns ended that, and a social democracy is a hollow farce without an armed populace to make it work.

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For a few years, lax lending standards -- some loans required no down payments and offered low introductory interest rates -- meant borrowers could buy more expensive houses than they could really afford.

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Rating companies including Standard Poor's, Moody's Investors Service and Fitch Ratings have lowered their claims-paying ability ratings for mortgage insurers or said they face possible downgrade.

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They would ask me how it was now that he was gone and I would say wonderful - they would be horrified and one said, what kind of a mother is that?

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