The problem is, as one of my favorite stock market and economics experts, Donald Luskin, has pointed out (his website ?The Conspiracy to Keep You Poor and Stupid? is a brilliant, laugh out loud howler of a must-read, http://poorandstupid.com/chronicle.asp), is how these concerns make money down the road, given that the giddy subprime days are over, when Wall Street spat out its drunken daisy chain of cut and paste, mortgage-baced securitization jobs now sitting as landfill in portfolios from here to the Arctic Circle and beyond.