Attention Rocket Scientists

In a surprising move, The Federal Reserve of New York has apparently hired all forward thinking rocket scientists currently available in the U.S. Further proof of this was an article appearing in today's Wall Street Journal. To the shock of the banking world, home loan modifications are actually more successful when a permanent solution like...ohhh, I don't know...balance reduction is granted.

I know what you're thinking, "God, it must surely take those of superior intellect to come up with a solution we mere mortals couldn't !" Below is the article that backs up my Rocket Scientist proof:

http://blogs.wsj.com/developments/2010/01/04/ny-fed-most-successful-mortgage-modifications-reduce-borrowers-principal/