Most of the great problems we face are caused by politicians creating solutions to problems they created in the first place.

The Community Reinvestment Act encouraged banks and thrifts to make so-called "no doc" and "liar" loans to customers who had no realistic ability to pay them back. A decade of monetary expansion by the Federal Reserve Bank, contributing to the housing bubble, encouraged lending institutions to take risks they otherwise would not have taken.

Government actions created the subprime crisis, and now government-proposed "solutions," such as foreclosure holidays, bailouts and further regulation of financial institutions, to the problems they created will create more problems.

Congress, doing the bidding of environmental extremists, created our energy supply problem.