Risk-taking is back for banks 1 year after crisis - Yahoo! Finance (http://finance.yahoo.com/news/Risktaking-is-back-for-banks-apf-3400806176.html?x=0&sec=topStories&pos=1&asset=&ccode=)

Don't let them do it to us again.

Live on less than you make. Get out of debt. Invest wisely. Save up, then buy. Don't rely upon the payment amount to determine affordability. And many, many, more behavior and thought process changes.

It is easy to take risks with our money. And don't rely upon others to legislate these things from being able to happen.