Apparently this logic assumes that every imperfection that happens to the body , including obesity , is because of experience . <| sep |> It ' s definitely more fun to unwrap a present than wrap it ! <| sep |> Under Clinton ' s Housing and Urban Development HUD secretary , Andrew Cuomo , Community Reinvestment Act regulators gave banks higher ratings for home loans made in creditdeprived areas . Banks were effectively rewarded for throwing out sound underwriting standards and writing loans to those who were at high risk of defaulting . If banks didn ' t comply with these rules , regulators reined in their ability to expand lending and d e p o s i t s t h e c l i n t o n s t h erealhousingcrashvillains . html <| sep |> I agree with you but I really don ' t think this is that big of a deal .