[Kai Dao]

This is not typically a question I would ask in an open forum like this. Eventhough mortgage forclosure has been one of the biggest stories in the news I have to ask due to my lack of knowledge and understanding on the topic. How much does change in mortgage rates have to do with the recent foreclosure phenomenon? What is the relationship between real-estate and mortgage increases? What ultimately lead to the foreclosures of so many families with in such a short period of time?