The financial crisis still dominates the mindset of many callers when I go on the radio. It is also interesting teaching a new crop of students this year. Many of them are at that age where they were just starting to pay attention to business, the economy, and public affairs when the crisis hit. That is to say, it is really all they know that is not from a history book. As a result the start of the banking class this year has discussed the crisis quite a bit. One of the discussions we had recently was about banks attempting to cash in on the increased value of homes.