Jason G asked: One significant action doesn't need congressional approval and can make a big difference. You can't expect miracles unless you have a real plan. If you have wide-scale loan modification programs by lenders that were effective mortgage holders can stop the freefall and rebuild this country to a sustainable economy.Some are frustrated that Congress cannot agree on what to do. Do you just bail everyone out and suffer the consequence? The FDIC has their hands full with INDYMAC and WAMU as well as several other small defunct banks. The unfortunate thing is they currently do not have the resources necessary to stop the record pace of foreclosures. The creators of these risky investment products wait for Washington to do something fast. The problem is Washington just can't move fast enough, and whatever [+]