Reason for Foreclosures? Negative Equity... says Stan Liebowitz: the evidence from a national database containing millions of individual loans suggests that the single most important factor is whether...the balance of the mortgage is greater than the value.... concludes "this means that most government policies being discussed to remedy woes in the housing market are misdirected"... Cliff Note: is there an elected government that is not motivated to print lots of money to keep home prices up?... http://www.gurufocus.com/forum/read.php?2,59606