Here's something one of our readers sent in. It should be sung to Avril Lavigne's Complicated'.

Uh huh... credit squeeze...
Uh huh... uh huh... SIVs...

What caused housing market woe?
Of course -- blame the CDO
And if you could only let it be
You would see
Why are we in a credit crunch?
There's no such thing as a free lunch
You can't just borrow cash
Without a way to pay it back
What did you think?
Had too much to drink?
It sure does seem
The American dream
Had you spend past your means
And now you've got liens
To pay
To pay

Why do you have to go and make us feel so damn berated?
CDO structurers aren't the kind that take so well to being hated
Life's like this you see

You earn and you spend and you save
And you mend and you plan and you read the fine print
And if you had your way then all of Wall Street would be incarcerated
No No No

You want sky high IRR
You feel like a movie star
When your return is 18.3
From equity
You felt you could always buy
And wait to diversify
The rating agencies say it's OK...
So they're to blame?
What'd you expect?
When making a bet
There's always some risk
You'll end up like this
And now you've surmised
That you've been unwise
OK...

OK
Why do you have to go and say the banks should be investigated?
S&P and Moody's gave them AAA but now you say they're overrated
Life's like this you see
You look at the terms and your
Lawyers affirm and you sit and you read the OM
Apparently it seems to me you're just not that sophisticated
No No No

No no no
No no no
No no no

It's not hard after the fact
To preach when you're looking back
That things could be done differently
But you see
It's kinda rude
To talk like you do
You're being a slime
Its almost a crime
It's obvious to us
You're kind of a wuss
This way

This way
Why do have to go and make us feel so violated?
We're not prostitutes and our investors aren't paying us to see us naked
Life's like this you see
You have to think twice before
not being nice in the press and you deserve what you get
PIMCO has its problems too and clearly Bill should be sedated

Oh Oh

Why aren't mortgage lenders a little bit more regulated?
How does it make sense that nothing prime's defaulted yet it's been devaluated?
Life's like this you see
You scream and you whine and you sue
And you cry and you wait and you look for scapegoats
Honestly the whole thing makes us wanna get intoxicated
Yea yea yea

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