Sub-Prime Mortgages and Harry the Snake

``Let's listen in as the Snake talks to Mr. and Mrs. Jones. The Joneses neighbors, the Smiths, whose income is the same as theirs, about $52,000 a year, just bought a house financed by Harry the Snake's bank. They were surprised; The Joneses didn't think their neighbors could afford a house, but there were the Smiths packing and getting ready to move. Can Mr. and Mrs. Jones afford to do the same thing? The Snake assures them they can.''