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Where Have You Gone, George Bailey? Another holiday season has come and gone with more reruns of Frank Capra's "It's a Wonderful Life." We could sure use banker George Bailey now that the mortgage mess threatens to do what the rapacious Mr. Potter, the town's richest citizen, could not: end the "nonsense" of providing mortgages for the working poor. For some time to come, people in the real world of 21st-century America without a good deal of money in the bank and super-secure jobs will find it difficult to qualify for mortgage loans.

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Where Have You Gone, George Bailey?

Another holiday season has come and gone with more reruns of Frank Capra's "It's a Wonderful Life." We could sure use banker George Bailey now that the mortgage mess threatens to do what the rapacious Mr. Potter, the town's richest citizen, could not: end the "nonsense" of providing mortgages for the working poor. For some time to come, people in the real world of 21st-century America without a good deal of money in the bank and super-secure jobs will find it difficult to qualify for mortgage loans.