Unscrupulous lenders sold mama and papa bear an Adjustable Rate Mortgage on a McMansion in a gated community these Teddy Bears along with their adopted baby dragon from China should have never qualified for, leaving them homeless. In the heyday of the real estate boom, anything on two legs could qualify for a loan. Prices for homes were going to go up forever and ever like endless streams of a chocolate river running through the Willy Wonka factory. But then one day, like Hansel and Gretel, the uninformed consumer, our poor stuffed bears above, find themselves in the oven ready to be consumed not by the witch but by the even more fiendish banking system. Oh, the woe that befalls those with not much more than stuffing in their heads.