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

Yahoo Now Has A Page To Help Find Foreclosure Property

In a sign of the financial times, Yahoo unveiled an online Wednesday that gives tips on how to buy foreclosed homes and allows people to search for foreclosed properties by city or zip code.

Interested in the tony Rockridge neighborhood of Oakland? There’s a photo of a five-bedroom, 3,200 square foot house on Acacia Street [...]

Understand the Foreclosure Process

Planning an investment in real estate in Maryland? Do you know what the term foreclosure in real estate means? A foreclosure is a process by which a mortgaged property may be sold when a mortgage is in default. This means that if the borrower has loaned money from a lender or bank by mortgaging the [...]

Foreclosure Investing – Comparing the Risks and the Rewards

Foreclosure Investing – Comparing the Risks and the Rewards

As a direct result of the sub-prime lending spree that has gripped the nation in the past years we are now seeing a great number of homes being foreclosed on and sold for amazingly low prices. This gives investors interested in investing in a property a [...]