A rare behind-the-scenes look at how Wall Street makes money. The book answers questions people affected by the financial crisis have been waiting for, like how the system works and how to fix it in easy-to-understand language. Confidential conversations reveal what went wrong with the mortgage market and what needs to change from insiders themselves. The book bridges the gap between Main Street and Wall Street and outlines practical solutions for the future. This is the first book in this area to include observations from firsthand insiders rather than just reporters with third-hand accounts.