Host: Sam Shad
					
					
				
					Guests:
 
			Carole Vilardo, President, Nevada Taxpayers Association
					
				Pundits:
 
			Robert Compan, Manager Government and Industry Affairs, Farmers Group Inc.
 Chuck Muth, President, Citizen Outreach
 Dan Hart, Democratic Political Consultant 
					
			
- Carole Villardo President, Nevada Taxpayers Association, who personally feels that homeowners had an obligation to pay their mortgages if they could afford it but that the banks should have taken a customer service approach and not forced homeowners to stop paying their mortgages before they would negotiate with them.
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