HouseTrap: Who Set It? And How to Escape From America's Mortgage and Housing Crisis

Dedicated to the American Homeowner And to my wife Veronica for all her support, patience and help in writing this book. To my good friend and colleague Kent, and to my trusted advisor Bob who both let me know that I was the right guy to write it. To my close friend Dave who made me understand what the book needed to be about if I wanted it to help people. To my kids- Nate, Meagan, Andrea and Truman who, one way or another, all reminded me that a person can do anything they set their mind to. I guess they really were listening. And finally, to Ed. Thank you.