Simon Says:

It was an abundant year for the acorn crop. Abbey and Henry Squirrel both had
jobs at the Tree Factory collecting acorns. One day Abbey said to Henry, "our little
nest is too small, we need a larger nest". Henry agreed, in that they spent most of
their day collecting acorns and did not have the time to build a new nest themselves.

Simon Fox was a prosperous banker who offered mortgage loans to qualified
applicants. Abbey and Henry went to Simon to secure a mortgage on a beautiful
nest they wanted to buy with nothing down. Although Simon knew that they both
barely made enough to pay the mortgage, he approved it anyway. He did not tell
them about the clause in the contract, that if they were late on a mortgage payment
or on any other debt, that he could raise the interests rates on all the mortgages they
held with Simon's bank.

Abbey and Henry went on a spending spree to furnish their new nest with new
furniture, appliances, all the latest electronic gadgets and went on expensive
vacations. They each bought expensive vehicles and payed for all their new
items with credit they got from Simon's bank. One day Abbey and Henry
was late one day paying their cell phone bill and Simon raised the interest rates
on all the mortgages they had with his bank.

The acorn factory fell upon hard times and there was less demands for acorns. The
owners of the of the acorn factory sold the factory to a foreign interest that was
controlled by Simon. The factory was dismantled and shipped overseas to take
advantage of cheap foreign labor. Abbey and Henry no longer had a job.

Fannie and Freddie were industrious squirrels and each opened a Secondary
Investment bank to services mortgages that they purchased from the Primary
Investment banks (controlled by Simon and his buddies) who wrote must of
the mortgages. The Primary Investment banks received large fees for writing
these mortgages and sold them to Fannie and Freddie at full market value.
The Primary Investment bank sold to the Secondary Investment bank all their
questionable mortgages, including Abbey and Henry's mortgages. The lucrative
mortgages they kept for themselves.

Abbey and Henry eventually defaulted on their mortgages and were forced
to declare bankruptcy and lost everything.

Eventually a financial crisis was created and most of the properties sold
to Fannie and Freddie became worthless.

Worry Not! Along comes the government to infuse billions of tax payer money
to give to Simon and his buddies, who will take this tax payer money and buy
up their competitors for little or nothing, this includes Abbey and Freddie's
mortgages. When the economy begins to rise and reaches a certain peak,
Simon and his buddies will resell these worthless properties at full market
value and realize a huge profit and then create another financial crisis.
(Of course Simon and his buddies are doing this out of the goodness of
their hearts).