Well I was reading Captain Capitalism's blog, and he has given what I think is a really interesting story as to what caused this whole sub-prime mess as of late. He is an economist who works for a bank. It's a loooong read though and there may be more parts as he is adding them, I don't know. Go to http://captaincapitalism.blogspot.com and you'll see them. You need to scroll down a bit for Part I, then you can read Part II.
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