morgan stanley analyst bearish on housing mark, page-23

Dalek - just make sure that you can securely cover any eventuality, because the banks are about to move to cover their 'generous' credit positions. This is part of the game that they will always win as long as they and the govt are infatuated mutual admirers.
It's not a conspiracy theory - its more like common sense.
And it has happened many times before.

Maybe you are too young to realize?