No free ride solution, Howard Dvorkin devises a plan that keeps American's in their homes without relying on a taxpayer bailout. The $700 billion bailout plan does little to avert foreclosures, the root of the crises. Banks and lenders who granted unstable loans should get a 40 percent penalty and consumers should be offered 50+ year mortgage repayment plans. (PRWeb Oct 1, 2008) Read the full story at http://www.prweb.com/releases/bailout/taxpayers/prweb1406374.htm ...