And many more Americans found themselves in a terrible situation by no fault of their own: unable to pay a mortgage because of a lost job, but they're unable to sell or refinance because their mortgage debt is now higher than the value of their house -- their home is underwater.

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''Instead they were preyed upon, exploited and left in a bewildering and extremely upsetting situation through no real fault of their own.

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It made no difference that perfectly sound institutions (mainly banks) in normal times could lose their liquidity in a general panic situation that was no fault of their own.

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Bakr earlier said the situation was "partially the fault of the travel agency, " which he said had not informed police of their route.

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Though a situation had not been entirely our fault, we tried to disregard the other person involved entirely.

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So this situation is as much Universal and Paramount's fault as anyone else.

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Mr. BLICHINGTON: And instead of someone trying to punish us for having gotten into that, if it is our fault, and everybody looks at it, tries to learn from that situation.

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