Homeowners line up at the Cow Palace in Daly City, Calif., Friday, Oct. 16, 2009. Thousands of homeowners turned out to an event sponsored by NACA, a Boston-based non-profit helping people to re-structure high risk loans. The pace at which people fell behind on their mortgages slowed during the summer for the third quarter in a row, but the overall delinquency rate hit another record. (AP Photo/Marcio Jose Sanchez)
Homeowners line up at the Cow Palace in Daly City, Calif., Friday, Oct. 16, 2009. Thousands of homeowners turned out to an event sponsored by NACA, a Boston-based non-profit helping people to re-structure high risk loans. The pace at which people fell behind on their mortgages slowed during the summer for the third quarter in a row, but the overall delinquency rate hit another record. (AP Photo/Marcio Jose Sanchez)
Former Bear Stearns hedge fund manager Matthew Tannin enters Brooklyn federal court, Monday, Nov. 9, 2009, in New York. Jury deliberations are scheduled to begin for Tannin and ex-manager Ralph Cioffi, both accused of conspiracy, securities and wire fraud in the wake of the collapse of the subprime mortgage market which foreshadowed Bear Stearns' own demise. (AP Photo/ Louis Lanzano)
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