I heard that a good way to address wallpaper is to cook up a batch of instant mashed taters, ball same in golf ball sized projectiles and throw them at wall hard enough so they stick.

It is more like 8% are electrical and 38% are caused by cooking fires.

@Mark Gallagher  people want to pay for things they don't want to do yourself... look at the prepared meal companies they cook your dinner deliver it you pop it in the oven through out the week... can you go buy your own food cook it yourself of course   LOLthe crux of this one though is the fantasy that you can just look up private lenders and they will be falling all over themselves to lend you money at 4%..

Put a nice pot of flowers by the front door.. add a new welcome mat.

Here in Cook County, these types of motions are not looked kindly upon.

One last consideration might be is the future redev opp in LA ( condos etc.) could be the actual pot of gold play vs what is happening currently. 

@Candace Majedi plus school teachers are having to cook meth just to survive. . .

You finally identified shareholders in this blame-pot:  I think is naive to think "banks will be smart enough to keep their own standards of lending similar to how it currently exists" since bank management has a fiduciary duty to its shareholders.As far back as the early 90s - maybe even earlier, based on how such notions were regarded as settled facts, graduate schools were recognizing that the shareholders' rabid demand of their companies' pursuit of high and increasing short-term profits was completely overtaking any consideration by the corporate managers of this demand of the companies' long-term objectives, wealth creation, service to the market, business reputation,  ...  

You forgot legalized pot...lol...never hurts.Grant sells eveything that moves, and some things that don't.

Thanks @Jaysen Medhurst @Amanda Cook, thanks!