politics
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Obama didn't get to determine the state of the economy when he took over, but he had the largest mandate of any modern president and his economic recovery plan failed to deliver for anyone except bank owners.
What's wild is that an HOLC-type solution as the auuthors suggest also would have bailed out the banks. It just would have done so in a way that saved homeowners too. Obama specifically pursued a policy that bailed out the banks without saving the homeowners.