[MD] growth and sustainability

[Platt Holden]

[Ian}
> Profit is good ... it's just that a free (like totally free, man)
> market may be the best way to make profits, but it's not the best way
> to decide how they're used .... some public accountability /
> regulation / insurance for lean times is needed there.

Yes, we've seen yet again how regulation such as that of Freddie and Fannie 
improved lending practices of the private sector. Soup lines, anyone?