Loan mod bandits 

Flickr image by Matti Mattila.

"DONT LET YOUR LENDER TAKE YOUR MONEY! MODIFY YOUR HOME LOAN TODAY!"

That was the slogan--in large capital letters and sans the necessary apostrophe in the first word -- that loomed on a billboard over Century City, a tony neighborhood near my home in Los Angeles.

The billboard showed a masked bandit dressed in black-and-white prison stripes and a knit cap. On his back was a banker-style moneybag, complete with a big dollar sign on it.

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