Back when I was a teenager, I lent my funky old electric guitar to my friend Tony. Tony lent it to Bill, and Bill pretty much lost it. Those were some fairly hazy times.
One day, I called Tony and told him I needed it back. He called Bill who told him it was lost. They then decided to give me an old, broken electric keyboard instead.
And that, my friends, is the story of the mortgage banking settlement now underway across this country.