I am truly sorry for anyone who has gotten messed up in this mortgage crisis. I am 58 yrs old so older people like me should know better, even the ones in their 40's. A 15 yr, 20 yr, 30 yr or any yr FIXED mortgage is the only way to go and always was the standard for many generations. Why did people change all of a sudden. I can understand the culprit loaners trying to get all they can but why did the people's ideas change. You will never get something for nothing or next to nothing. There is always padyday in the end. Young people want what it took me 40 years to get. I know for a fact that is happening. I really hate that there is no affordable housing for them to buy and that you can blame on the developers and their greed. Use to years ago a woman's salary was not even counted toward your ability to buy a house. Yes, I know that is old fashioned to you young ones but it worked. Generally, but not all, of my age people have their homes paid for by now. We are now taking in our adult children who have made bad choices. And yes I say bad choices because if you can work and buy a house you should be able to read what is being done to you.