In the New York Times December 9 editorial, I have concluded from what the well intentioned editors have unknowingly done is expose the culpability of Congress for the collapse of the economy.

Reading thoughtfully and objectively between the lines this conclusion in my view leaps off the page.  Here is the lead editorial in my N.Y. Times today, as follows:

"Mortgages and minorities, the mortgage crisis that has placed millions of Americans at risk of losing their homes has been especially devastating for black and Hispanic borrowers and their families.  It seems clear at this point that minorities were more likely to be steered into risky high priced loans -- even when researchers controlled for such crucial factors as incomes, loan size and location.

"The Congress that takes office in January can start to deal with this problem by strengthening fair lending laws, especially the community reinvestment act which encourages fair, sound lending practices while requiring banks to lend, invest and open branches in low and moderate income areas."