"Our goal with the ads is to create an environment where repealing the legislation or replacing it with more free-market principals is possible, " he said.

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And they sure as heck aren't doing enough to stabilize the housing market by drawing down principals and placing a moratorium on foreclosures.

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That is held to result when the market suffers from inadequate or inaccurate information delivery, inadequate or insufficient competition, principal-agent problems (where agents fail to represent the interests of their principals), and externalities (where market actors fail to bear the costs of their actions or choices), among other problems.

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