"For reforms ameliorate the situation of the working class, they lighten the weight of the chains labour is burdened with by capitalism, but they are not sufficient to crush capitalism and to emancipate the workers from their tyranny."

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The last and most painful irony is that the two longtime rival armies in the securitization market - the investment banks and the GSEs - would end up magnifying each other's sins rather than keeping each other in check.

— Bethany McLean