"Having been on the inside of one of the largest sub-prime mortgage lenders that failed, I can attest to the fact that Mr. Schoenberger has got it right. His instincts and historical perspectives are on the money. We need to be focusing on how we effectively regulate the markets so that this type of crises does not come back to bite us again." ---Marc Loewenthal Esq. Former SVP of Enterprise Risk Management, New Century Financial Corp.