What about lowering interest rates for people who have existing mortgages which they pay on time? People with bad mortgages get bailed out and there is a tax credit for first time home buyers but those of us who have simply done the right thing are penalized. Thus, once again, the responsible middle class gets ****ed. If they want me to spend/save more money... cut my rate for doing the right thing all along when everyone else was doing the wrong damn thing.