As I recover from a three-day academic conference** I would like to draw attention to Tom Tomorrow's commentary on personal responsibility.

This reality gets lost so quickly in the media narrative. They provide bad information and then openly mock people stupid enough to believe it. I'm certainly not going to let individuals who sign shitty mortgages off the hook; there is an element of responsibility (like maybe reading things before signing them). Nonetheless, there's something to be said for a free, high-intensity, half-decade long media PR campaign extolling the goldmine that is home ownership.

**(These events appear to serve only two purposes: to let professors get shitfaced with their former grad school colleagues and to provide them with an annual opportunity to cheat on their spouse. But in any field it is always good to know who the drunks are, as in the people at the hotel bar before 10:30 AM.)