That said, while fault is fairly well spread, the penalty/penance/cost of the failed loan lies disproportionately on the consumer. The banker and the real estate agent who got the commission for selling such a huge loan not only don’t get penalized, they get to keep the commissions. The banks pass the failures off to the insurance companies or repackage the mortgages as “credit default swaps” and pass the risk off to someone else. The banks as corporations lose money on paper; the bankers say “Tut tut, dear me, isn’t that too bad,” and drive off to their three-martini lunch.

Yes, the consumers should have been more aware. But the system has “Oversell!” incentives at every level, and there are hustlers in every trade. If you don’t fix the system, punishing the consumers will do nothing.

http://www.youtube.com/watch?v=JdxkVQy7QLM

I hope you started a mirroring session immediately.

They preferred an automated system of storing the backup off-site, so long as it wasn’t too expensive. Like the Mozy option on that site, however, there are typically two options for off-site licensing: 1) cheap and unlimited or 2) backup for servers. So, as soon as you want to backup a Windows Server system, you no longer qualify for the cheap and unlimited license… hence the five layers.

Or is this too late?