On Feb. 20, 2008, my husband, Peter Nesvold — a newly minted partner at Bear, Stearns & Co. Inc. — came home and said, “I think my firm is going bankrupt.” I told him he was crazy, that Bear Stearns had one of the strongest balance sheets on Wall Street. And I teased him about being the poster child for doom and gloom. Peter had been predicting the sky would fall since early 2005. That was when he examined our five-year adjustable rate mortgage and concluded that our monthly payments ...

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