Can you name 5 completely different causes for the foreclosure mess?

I want 5 different reasons or more if you have them…since we all know you cant really place the blame on one or two things.
I especially want to hear about nationwide macro economic trends of concern that may be contributing factors
http://promo.realestate.yahoo.com/no_slowdown_in_foreclosure_filings.html

Purchase Realestate Overseas for Many Different Reasons

Capital spending in realestate overseas can be a great job. If you intend to invest on realestate overseas make sure you do a lot of research on the property marketplace. You will not remorse it if you do everything right because you will end up having money come in from all different directions during all [...]