David Kittle is a Bad, Bad Man

I hate David Kittle, the chairman of Mortgage Bankers Association. He is smug and self-righteous. He talked about "personal responsibility" and his own "prudent decisions" when confronted with questions from Sen. Dick Durbin.

It's easy to be prudent with your finances when you make more than $2 million per year. Yes, that gives you the means to survive on your savings for 14 months and keep up with your multi-room penthouse, luxury vehicles and your annual charity donations.

I'm not sure how he can feel no responsibility (moral or otherwise) for the mortgage crisis that is overwhelming this country. I hope his mother is dead, so she won't have to see the monster her son has grown into.