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What do you study? http://www.askc.org/powell.htm megalis 10 benefits One widely floated proposal would eliminate government backed enterprises Freddie Mac and Fannie Mae while creating a new government guarantee for mortgage securities. This is perfect from the standpoint of Wall Street firms that package and distribute mortgage securities, as well as the mortgage bankers who sell their loans and depend on the securitization market. It would complete the 50-year project by these interest groups to pry the mortgage lending business out of depository institutions (banks and savings-and-loan associations) — but this shift doesn't serve the public well.