"In the sea of words, the in print is foam, surf bubbles riding the top. And it's a dark sea, and deep, where divers need lights on their helmets and would perish at the lower depths."

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Too-easy credit and millions of bad loans made during the U.S. housing bubble paved the way for the financial calamity and Great Recession that followed. Today, by contrast, credit is too tight. Mortgage loans are particularly hard to get, creating a problem for the housing market and the broader economy.

— Mark Zandi