1. Add a stay on foreclosure on of mortgages for 6 months. The stay on short selling helped stop the market tailspin. Now give ordinary people a similar benefit.

2. Say that at least a quarter of any dollars spent in any rescues, take the form of insurance guarantees as the minority rebellious Republicans wanted. So if a firm wants $1 billion of overpriced mortgages to be taken onto the government`s book, then at least $250 million must be in the form of an insurance guarantee by Freddie and Fannie.

3. Allocate an additional $100 billion to the bailout package which will be used only to pay interest on mortgages of ordinary people who face foreclosure because they cannot pay the interest. This $100 billion ordinary person support fund must be recovered by increasing taxes on all financial corporations – no exceptions – until it is fully repaid to the government.

4. Say that an intensive effort must be launched immediately to hunt down any persons who broke any laws while designing and selling subprime mortgages, and lay charges against them, with suitable punishment (including significant financial penalties).

These four changes should do the trick.