Nancy Pelosi fails in leadership. Bush fails in leadership. Democrats blame Republicans. Republicans blame Democrats. Fannie Mae and Freddie Mac gave (under the leadership from Senator Barny Frank) countless home loans to people who had no ability to repay them. Adjustable rate mortgages, linked to the prime rate, encouraged people to buy far more "house" than they could afford. Then, it happened. The Federal Reserve began raising the prime rate about 18 months ago and the A.R.M. mortgages began defaulting as their interest rates adjusted. The financial avalanche slowly broke free from the mountain top, gaining momentum. All along the way, Wall Street executives rolled in money, laughing . . . they got theirs. It is time for the people of this country to take charge. How are we going to do it?