Nom de Plumber is a Nom de Plume

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A Way to Make People Buy Homes Again – NY Times Opinion

http://www.nytimes.com/2012/01/25/opinion/down-payment-insurance-for-homebuyers.html?_r=1&hp

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Because people still make only small down-payments, despite massive depreciation since 2006, homes seem to remain very risky, unaffordable assets. If buyers are unwilling and unable to shoulder fully that risk, why should taxpayers and renters do so for them, especially without any reward prospect in exchange?