Politicians in Washington are busy arguing about the financial and moral hazards of coming to the aid of troubled homeowners. But overshadowed by the debate over a proposal to let the government back risky mortgages is one important issue - how the program would actually work. Who would qualify? What do borrowers and lenders have to sacrifice? How does the government get paid for its trouble? The House last week passed a bill by Rep. Barney Frank, D-Mass., that would allow the Federal Housing.

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