I was using Mapquest recently but could not find what I wanted, so I switched to Google Earth — And voila I found it, a map of the most corrupt states in the union. Actually, the map was published by USA Today Online and showed the number of convicted felons per capita, that is per 100000 residents. The problem was, the study is flawed because it shows only the conviction, not the actual corruption. — I mean, our own ongoing study shows that elected officials intimidate judges to obstruct justice, so what would keep them to do that to avoid conviction of a dear friend, one who paid money to the politician. — You may remember the case United States versus Oracle that ended in the judge finding three expert witnesses not believable who claimed that the hostile take-over of peoplesoft by Oracle would impede competition. Just about during the hot trial period Oracle paid grand to Barbara Boxer, to whom they had never before and never thereafter paid a dime. — But the map was not the planned subject of todays Second Opinion, rather Mortgage Foreclosure is. I wanted to make a comment on the perpetual notion that those under foreclosure are at fault by buying beyond their means. Not at all. Follow me for a second. The fact is that at the time they closed the mortgage, the prime rate was low, their lender pushed a variable rate, and after calculating monthly payments, they could afford it, say 00. Nobody PLEASE nobody told them that an increase of less than one …