Major financial institutions are in big trouble. IndyMac of Pasadena, California has been taken over by the FDIC in the second-biggest bank failure in US history. Fanny Mae and Freddie Mac, backbone of the mortgage market, are losing their stock value. One analyst calls them "Phony and Fraudy." While experts insist that we'll never see another Great Depression, many Americans are losing confidence. Have regulators relaxed their standards and allowed the free market to get out of control? Will the loss of consumer confidence help make things worse before they get better?