Ha ha ha ha ha! That is so funny. That is called the "Enron Loophole," and still exists. Great for the energy companies, especially Exxon etc. High fuel costs for consumers but terrific investment returns for Exxon in the hedge funds. Good to have inside information, which they do.
Housing and investment banking meltdown? That began with the passage of Adjustable Rate Mortgages in the mid 80s. But after the S&L debacle, Glass-Stegall Act provided some protection but, later, Bill Clinton approved the revocation of Glass-Stegall. That left the barndoor open to the greedy network of those in mortgage banking, passing the shaky loans on to Fannie Mae and Freddie Mac.
Now which candidate has addressed the real nitty gritty of how we came to have this present economic crisis in America? Because they all, Dems and Reps, had their hand in the cookie jar. They will never address the facts. Never. If you really understood this, you would not elect either of them.