In the quest to find some reasonable solutions to fix the foreclosure problem raging throughout the country, the usual avenues of power have been decidedly quiet. Yes, there have been numerous public pronouncements by the president and Congress that the problem needs to be fixed. But, these institutions have relatively little influence on the real estate market and economy in general.

If anyone was to ever ask a cigar what it did for a living, chances are it would say, “I provide relief.” Bragging a little, this cigar would continue by listing the kinds of relief it provides: relief for those who need a break from stress, relief for those who need an outlet of luxury, relief for those who are looking for the perfect celebratory gesture. Overhearing this, a cigarette would look on, shaking its head at its cousin’s ego, only to realize the truth: