The document analyzes those responsible for the 2008 credit crisis. It blames Fannie Mae and Freddie Mac for lobbying the government to expand housing to subprime borrowers. It also faults the Clinton and Bush administrations, Alan Greenspan, investment banks, credit rating agencies, mortgage brokers, real estate agents, borrowers, and corporations for their roles in fueling the crisis through risky practices and a failure to properly manage and oversee the financial system. The document suggests John McCain, Nouriel Roubini, John Paulson, and Warren Buffet were among the few who warned of the impending crisis.