The economy is officially out of the worst recession since the Great Depression, but there are a number of factors that cause great concern for economists. There are several factors that have contributed to the recession and possibly another recession in the near future, but one of the primary factors has been the housing market. The prices of homes have come crashing down, causing people to owe more on their home than it is worth thereby losing money if they have to sell it. At the same time, many people are finding that they can't afford their loans and home foreclosure rates continue to rise. President Obama passed a housing bill in February 2009 that was aimed at helping people who owe more on their home than the current market value or are on the brink of foreclosure to acquire new loans with better interest rates. The bill is estimated to cost about $275 billion. How has this impacted consumption expenditures? How does this bill not just help those who qualify but everyone in the economy? What will happen to GDP and employment? What do you think will be the impact on banks and other financial institutions? Do you agree with the bill?