Where were those rating agencies several years ago, when those questionable mortgage packages were being foisted on half the worlds economys? That may have signaled a questionable practise was being pushed by the biggest lending and brokerage houses? So now the banks that we bailed out, are going to raise the cost of borrowing money.Yes he sat on his hands,so did congress.Of course now the big oil companys will say they have another valid reason to raise prices on gasoline.