Not only was HW in front of the WSJ's report on the FDIC bulking up for bank failures, but we were a good month ahead of major media on -- a site that is dedicated to "helping" borrowers walk away from their mortgages. Today -- one month later -- the NY Times ran a front-page story and cited the company. We may not like the company or what it does, but it's our job to keep you ahead of the curve as much as we can. (You're welcome.) Speaking of being ahead of the curve, as we head into the weekend: you might be interested to know that Fitch judt downgraded nearly $10 billion in subprime RMBS. In one day. Read it elsewhere next week, or read it on HW right now.