I didn’t know that the Treasury Department had a magic show, did you?  Mr Paulson sold the congress one plan and with some “misdirection” enacted a different one.  Rather than buying the bad mortgages, like he told congress the bail out money would be used for, he decided on something different, to invest in the banks.  I wonder what congress thinks of this bait and switch tactic or are they just used to this type of magic show.  Now that we’ve seen the AIG shenanigans of bail-out, spa time, more bail out, more party time, when will someone with a sense of decency make some decisions that will benefit the American home owner who’s losing his home to foreclosure.  The rhetoric from our presidential candidates was aimed at “Main Street” but like rhetoric, there doesn’t seem to be any real meat to those promises.  I do applaud Citibank for halting all foreclosures until they can modify loans with home owners.  They have realized the solution and should be given the credit they deserve.  Now we need all of the banks to come on board and implement the same plan as Citibank.  Here is where the bail-out money can be best utilized is in the housing market and the stabilization of home prices.  The housing market is the key to putting our economy back in the black and this will only happen when we stop the foreclosures.