hat
"Anpil nan yo te consommateurs jodi a ont acheté propriétés ak lajan anba yon sèl. Yo te gen te attiré pa anyen ki desann, enterè sèlman, dezyèm e twazyèm prêts. Branch bouton an: anviwònman anba enterè pousantaj rale consommateurs nan big-time mache kay an. N' a ki pwal evantyèlman koze nou tout pwoblèm yo. Michael Lombardi nan AVANTAJ konfidansyèl, 22 jen 2005. Michael te kòmanse yo sou zafè kriz la ap vini nan mache imobilye Etazini a droit nan somè de kou apoulaw koulye a lajman te kwè ki te en 2005.
eng
"Many of today's consumers have purchased properties with very little down payment. They've been enticed by nothing-down, interest-only, second and third mortgages. Bottom line: the lower-interest-rate environment sucked consumers into the housing market big-time. And that will eventually cause us all problems." Michael Lombardi in PROFIT CONFIDENTIAL, June 22, 2005. Michael started warning about the crisis coming in the U.S. real estate market right at the peak of the boom, now widely believed to be 2005.